FRANKLIN MINT

Charter #20042 | PA

1B-3B (304 CUs) Mid-Market (380 CUs)
8 1B-3B in PA

FRANKLIN MINT has 3 strengths but faces 9 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 24.7% in tier
  • + Relationship Depth Leader: Top 31.2% in tier
  • + Indirect Auto Concentration (%): Top 0.0% in tier

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 18.0% in tier
  • - Efficiency Drag: Bottom 21.9% in tier
  • - Membership Headwinds: Bottom 25.9% in tier
  • - Institutional Decline: Bottom 27.5% in tier
  • - Stagnation Risk: Bottom 30.1% in tier
  • - ROA 0.20% below tier average
  • - Efficiency ratio 7.99% above tier (higher cost structure)
  • - Net Worth Ratio: Bottom 1.6% in tier
  • - Average Member Relationship (AMR): Bottom 9.5% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Members 149,973
-1.3% YoY+0.8% QoQ
 +51.3K 98,678
-1.9% YoY
 17,552
+5.9% YoY
 33,089
+6.1% YoY
 Top 13.2% in tier
Assets $1.9B
+0.9% YoY-2.0% QoQ
 +$156.3M $1.7B
+0.5% YoY
 $283.8M
+10.6% YoY
 $547.7M
+7.8% YoY
 65th in tier
Loans $1.4B
-0.7% YoY+0.7% QoQ
 +$163.1M $1.2B
+0.5% YoY
 $193.1M
+8.6% YoY
 $388.7M
+8.6% YoY
 67th in tier
Deposits $1.7B
+4.0% YoY-1.1% QoQ
 +$247.3M $1.5B
+1.3% YoY
 $243.3M
+10.9% YoY
 $464.6M
+9.3% YoY
 70th in tier
ROA 0.5%
-2511.8% YoY+252.8% QoQ
 -0.2% 0.7%
+13.4% YoY
 0.8%
+22.9% YoY
 0.7%
+273.4% YoY
 34th in tier
NIM 3.0%
+2.0% YoY+2.3% QoQ
 -0.3% 3.3%
+9.3% YoY
 3.5%
+4.5% YoY
 3.7%
+5.0% YoY
 28th in tier
Efficiency Ratio 82.0%
-2.0% YoY-5.2% QoQ
 +8.0% 74.0%
-10.9% YoY
 76.2%
-1.5% YoY
 79.1%
-3.3% YoY
 Top 17.4% in tier
Delinquency Rate 0.8%
+11.8% YoY+3.8% QoQ
 -0.1 0.8%
+6.1% YoY
 1.3%
-8.2% YoY
 1.2%
-0.9% YoY
 59th in tier
Loan To Share 82.1%
-4.5% YoY+1.8% QoQ
 -3.1% 85.2%
-0.8% YoY
 55.4%
-2.3% YoY
 68.0%
-1.7% YoY
 34th in tier
AMR $20,656
+3.1% YoY-1.1% QoQ
 $-9K $29,172
+2.8% YoY
 $16,339
+4.2% YoY
 $19,418
+1.3% YoY
 Bottom 9.2% in tier
CD Concentration 29.3%
-2.6% YoY+4.5% QoQ
 +0.4% 29.0%
+0.8% YoY
 15.5%
+9.2% YoY
 19.6%
+6.2% YoY
 53rd in tier
Indirect Auto % 0.0% -18.8% 18.8%
-2.8% YoY
 8.0%
+2.0% YoY
 7.9%
-2.9% YoY
 Bottom 0.0% in tier

Signature Analysis

Strengths (2)

Wallet Share Momentum

growth
#179 of 264 • Top 24.7% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 3.13%
(Tier: 3.04%, National: 4.19%)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | New qualifier

Relationship Depth Leader

growth
#226 of 264 • Top 31.2% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 3.13%
(Tier: 3.04%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.2K
(Tier: $3.1K, National: $2.0K)
but worse than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | New qualifier

Concerns (5)

Credit Quality Pressure

risk
#139 of 217 • Bottom 18.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.08% points
(Tier: 0.07% points, National: 0.07% points)
worse than tier avg
217 of 380 Mid-Market CUs have this signature | 1002 nationally
↓ Shrinking -70 CUs YoY | New qualifier

Efficiency Drag

risk
#73 of 96 • Bottom 21.9% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 81.96%
(Tier: 73.45%, National: 79.10%)
worse than tier avg
ROA Change (YoY): 0.52% points
(Tier: 0.07% points, National: 0.05% points)
but better than tier avg
Member Growth (YoY): -1.29%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
96 of 380 Mid-Market CUs have this signature | 624 nationally
↓ Shrinking -32 CUs YoY | Rank improving

Membership Headwinds

decline
#63 of 85 • Bottom 25.9% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -1.29%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
85 of 380 Mid-Market CUs have this signature | 648 nationally
↑ Growing +6 CUs YoY | New qualifier

Institutional Decline

decline
#29 of 31 • Bottom 27.5% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature
Total Assets: $1.88B
(Tier: $1.72B, National: $547.69M)
but better than tier avg
Member Growth (YoY): -1.29%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
Loan Growth (YoY): -0.71%
(Tier: 6.14%, National: 36.38%)
worse than tier avg
31 of 380 Mid-Market CUs have this signature | 293 nationally
↓ Shrinking -6 CUs YoY | New qualifier

Stagnation Risk

risk
#73 of 85 • Bottom 30.1% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 0.50%
(Tier: 0.71%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -1.29%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $20.7K
(Tier: $29.2K, National: $19.4K)
worse than tier avg
CD Concentration: 29.34%
(Tier: 28.98%, National: 19.60%)
worse than tier avg
85 of 380 Mid-Market CUs have this signature | 648 nationally
↑ Growing +6 CUs YoY | New qualifier

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 304 peers in tier

Top Strengths (3 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 18.32%
#1 of 304 Top 0.0% in 1B-3B tier
37
Members Per Employee (MPE)
engagement
Value: 458.633
Peer Avg: 364.953
#37 of 304 Top 11.8% in 1B-3B tier
40
Total Members
engagement
Value: 149,973
Peer Avg: 98,678
#40 of 304 Top 12.8% in 1B-3B tier

Top Weaknesses (7 metrics)

300
Net Worth Ratio
risk
Value: 7.83%
Peer Avg: 11.44%
#300 of 304 Bottom 1.6% in 1B-3B tier
276
Average Member Relationship (AMR)
engagement
Value: $20,656
Peer Avg: $29,172
#276 of 304 Bottom 9.5% in 1B-3B tier
264
Loan-to-Member Ratio (LMR)
engagement
Value: $9,310
Peer Avg: $13,213
#264 of 304 Bottom 13.5% in 1B-3B tier
252
Efficiency Ratio
profitability
Value: 81.96%
Peer Avg: 73.97%
#252 of 304 Bottom 17.4% in 1B-3B tier
245
Member Growth Rate
growth
Value: -1.29%
Peer Avg: 2.20%
#245 of 304 Bottom 19.7% in 1B-3B tier
237
Loan Growth Rate
growth
Value: -0.71%
Peer Avg: 5.27%
#237 of 304 Bottom 22.4% in 1B-3B tier
229
Asset Growth Rate
growth
Value: 0.94%
Peer Avg: 4.83%
#229 of 304 Bottom 25.0% in 1B-3B tier