BlastPoint's Credit Union Scorecard

FRANKLIN MINT

Charter #20042 · PA

Mid-Market 1B-3B

300 CUs in 1B-3B nationally 9 in PA

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FRANKLIN MINT has 8 strengths but faces 7 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

PA Analysis

How does PA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Leader: Top 6.5% in tier
+ Organic Growth Engine: Top 6.5% in tier
+ Strong member growth: 11.1% YoY
+ Member Growth Rate: Top 5.7% in tier
+ Deposit Growth Rate: Top 6.0% in tier
+ Asset Growth Rate: Top 6.3% in tier
+ Loan Growth Rate: Top 7.0% in tier
+ Total Members: Top 7.3% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 8.1% in tier
- Efficiency Drag: Bottom 8.5% in tier
- Credit Quality Pressure: Bottom 38.7% in tier
- ROA 0.44% below tier average
- Efficiency ratio 12.36% above tier (higher cost structure)
- Net Worth Ratio: Bottom 7.3% in tier
- Average Member Relationship (AMR): Bottom 10.0% in tier

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 300 credit unions with $1B-$3B in assets nationally, and 1 of 9 that size in Pennsylvania.
Shares and deposits +15.8% year over year ($1.99B in shares and deposits).
Membership: 165,339 members, +11.1% vs a year ago.
Delinquency rate 0.83%.
Return on assets 0.38%.
Efficiency ratio 85.38% vs a 73.02% peer average.
Loan-to-share ratio 80.01% vs a 84.71% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Members	165,339 +11.1% YoY+0.6% QoQ	+68.5K	96,861 -1.9% YoY	18,280 +5.8% YoY	34,678 +6.6% YoY	Top 7.7% in tier
Assets	$2.2B +15.1% YoY-1.9% QoQ	+$480.3M	$1.7B +0.4% YoY	$308.6M +9.9% YoY	$593.1M +10.2% YoY	77%
Loans	$1.6B +14.9% YoY+0.5% QoQ	+$359.3M	$1.2B +0.7% YoY	$207.1M +9.1% YoY	$418.6M +10.1% YoY	78%
Deposits	$2.0B +15.8% YoY-2.5% QoQ	+$528.3M	$1.5B +0.5% YoY	$264.2M +9.3% YoY	$504.8M +10.3% YoY	80%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.4% +165.6% YoY+11.3% QoQ	-0.4%	0.8% +27.6% YoY	1.0% +23.3% YoY	1.2% +121.4% YoY	16%
NIM	2.9% -1.5% YoY+7.3% QoQ	-0.5%	3.4% +6.6% YoY	3.5% +2.1% YoY	3.8% +2.3% YoY	Bottom 14.7% in tier
Efficiency Ratio	85.4% -1.2% YoY-0.8% QoQ	+12.4%	73.0% -2.7% YoY	76.6% -2.6% YoY	83.0% -5.3% YoY	Bottom 9.3% in tier
Delinquency Rate	0.8% +10.5% YoY+44.3% QoQ	+0.0	0.9% +7.3% YoY	1.2% -8.4% YoY	1.3% +2.6% YoY	62%
Loan To Share	80.0% -0.7% YoY+3.1% QoQ	-4.7%	84.7% +0.1% YoY	53.4% -2.0% YoY	66.4% -1.4% YoY	31%
AMR	$21,684 +3.9% YoY-1.8% QoQ	$-8K	$29,575 +1.5% YoY	$16,967 +3.7% YoY	$20,028 -0.9% YoY	Bottom 9.7% in tier
CD Concentration	29.3% +4.5% YoY+2.6% QoQ	+0.2%	29.1%	15.6%	20.0%	52%
Indirect Auto %	3.0% -0.2% QoQ	-15.1%	18.1%	8.4%	7.7%	20%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#12 of 112 • Top 6.5% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 11.10%

(Tier: 3.16%, National: 15.67%)

better than tier avg

Indirect Auto %: 2.99%

(Tier: 18.08%, National: 7.71%)

better than tier avg

112 of 377 Mid-Market CUs have this signature | 485 nationally

↓ Shrinking -20 CUs YoY | New qualifier

Organic Growth Engine

growth

#52 of 113 • Top 6.5% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 11.10%

(Tier: 3.16%, National: 15.67%)

better than tier avg

Return on Assets: 0.38%

(Tier: 0.84%, National: 1.23%)

but worse than tier avg

Indirect Auto %: 2.99%

(Tier: 18.08%, National: 7.71%)

better than tier avg

113 of 377 Mid-Market CUs have this signature | 490 nationally

↓ Shrinking -131 CUs YoY | New qualifier

Concerns (3)

Credit Risk Growth

risk

#48 of 170 • Bottom 8.1% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 14.94%

(Tier: 6.76%, National: 78.26%)

but better than tier avg

Delinquency Change (YoY): 0.08% points

(Tier: 0.06% points, National: 0.08% points)

worse than tier avg

170 of 377 Mid-Market CUs have this signature | 688 nationally

→ Stable (169→170 CUs) +1 CUs YoY | New qualifier

Credit Quality Pressure

risk

#144 of 215 • Bottom 38.7% 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: 0.06% points, National: 0.08% points)

worse than tier avg

215 of 377 Mid-Market CUs have this signature | 962 nationally

↓ Shrinking -28 CUs YoY | Rank improving

Efficiency Drag

risk

#60 of 71 • Bottom 8.5% in tier

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

Why This Signature

Efficiency Ratio: 85.38%

(Tier: 72.30%, National: 82.97%)

worse than tier avg

ROA Change (YoY): 0.24% points

(Tier: 0.18% points, National: 0.47% points)

but better than tier avg

Member Growth (YoY): 11.10%

(Tier: 3.16%, National: 15.67%)

but better than tier avg

71 of 377 Mid-Market CUs have this signature | 608 nationally

↓ Shrinking -33 CUs YoY | Rank worsening

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)

Compare against:

Comparing against 300 peers in tier

Top Strengths (10 metrics)

Member Growth Rate

growth

Value: 11.10%

Peer Median: 1.84%

#18 of 300 Top 5.7% in 1B-3B tier

Deposit Growth Rate

growth

Value: 15.77%

Peer Median: 4.79%

#19 of 300 Top 6.0% in 1B-3B tier

Asset Growth Rate

growth

Value: 15.14%

Peer Median: 5.21%

#20 of 300 Top 6.3% in 1B-3B tier

Loan Growth Rate

growth

Value: 14.94%

Peer Median: 5.71%

#22 of 300 Top 7.0% in 1B-3B tier

Total Members

engagement

Value: 165,339

Peer Median: 86,516

#23 of 300 Top 7.3% in 1B-3B tier

Members Per Employee (MPE)

engagement

Value: 476.481

Peer Median: 346.173

#29 of 300 Top 9.3% in 1B-3B tier

Total Deposits

balance_sheet

Value: $1.99B

Peer Median: $1.30B

#60 of 300 Top 19.7% in 1B-3B tier

Total Loans

balance_sheet

Value: $1.59B

Peer Median: $1.14B

#66 of 300 Top 21.7% in 1B-3B tier

Indirect Auto Concentration (%)

balance_sheet

Value: 2.99%

Peer Median: 14.26%

#66 of 300 Top 21.7% in 1B-3B tier

Total Assets

balance_sheet

Value: $2.20B

Peer Median: $1.51B

#70 of 300 Top 23.0% in 1B-3B tier

Top Weaknesses (7 metrics)

279

Net Worth Ratio

risk

Value: 8.66%

Peer Median: 10.91%

#279 of 300 Bottom 7.3% in 1B-3B tier

273

Efficiency Ratio

profitability

Value: 85.38%

Peer Median: 73.62%

#273 of 300 Bottom 9.3% in 1B-3B tier

271

Average Member Relationship (AMR)

engagement

Value: $21,684

Peer Median: $28,089

#271 of 300 Bottom 10.0% in 1B-3B tier

260

Loan-to-Member Ratio (LMR)

engagement

Value: $9,638

Peer Median: $12,809

#260 of 300 Bottom 13.7% in 1B-3B tier

256

Net Interest Margin (NIM)

profitability

Value: 2.89%

Peer Median: 3.46%

#256 of 300 Bottom 15.0% in 1B-3B tier

252

Return on Assets (ROA)

profitability

Value: 0.38%

Peer Median: 0.77%

#252 of 300 Bottom 16.3% in 1B-3B tier

241

Fee Income Per Member

profitability

Value: $154.49

Peer Median: $204.73

#241 of 300 Bottom 20.0% in 1B-3B tier