BlastPoint's Credit Union Scorecard

FRANKLIN MINT

Charter #20042 · PA

Mid-Market 1B-3B

306 CUs in 1B-3B nationally 10 in PA

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FRANKLIN MINT has 8 strengths but faces 3 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 6.3% in tier
+ Organic Growth Engine: Top 6.3% in tier
+ Wallet Share Momentum: Top 28.4% in tier
+ Strong member growth: 11.1% YoY
+ Deposit Growth Rate: Top 4.9% in tier
+ Member Growth Rate: Top 5.6% in tier
+ Asset Growth Rate: Top 5.6% in tier
+ Total Members: Top 7.2% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 10.7% in tier
- ROA 0.38% below tier average
- Efficiency ratio 11.41% above tier (higher cost structure)

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Members	164,381 +11.1% YoY+8.9% QoQ	+68.3K	96,048 -2.7% YoY	18,228 +6.1% YoY	33,913 +5.7% YoY	Top 7.5% in tier
Assets	$2.2B +18.5% YoY+17.4% QoQ	+$528.5M	$1.7B +0.4% YoY	$307.3M +11.2% YoY	$578.3M +9.0% YoY	78%
Loans	$1.6B +14.7% YoY+13.4% QoQ	+$372.2M	$1.2B +0.2% YoY	$202.4M +9.8% YoY	$402.4M +8.7% YoY	77%
Deposits	$2.0B +19.3% YoY+18.5% QoQ	+$577.5M	$1.5B +0.5% YoY	$264.3M +10.7% YoY	$494.3M +9.1% YoY	82%

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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	0.3% -34.7% QoQ	-0.4%	0.7% +27.6% YoY	0.8% +3.2% YoY	0.4% -39.2% YoY	19%
NIM	2.7% -5.9% YoY-10.7% QoQ	-0.7%	3.4% +6.2% YoY	3.5% +3.1% YoY	3.8% +4.1% YoY	Bottom 12.4% in tier
Efficiency Ratio	86.0% -1.3% YoY+4.1% QoQ	+11.4%	74.6% -3.0% YoY	78.0% -8.8% YoY	84.6% +2.8% YoY	Bottom 11.8% in tier
Delinquency Rate	0.6% -9.3% YoY-24.9% QoQ	-0.2	0.8% +6.9% YoY	1.2% -7.0% YoY	1.2% +3.4% YoY	44%
Loan To Share	77.6% -3.9% YoY-4.3% QoQ	-5.6%	83.2% -0.4% YoY	52.5% -2.7% YoY	65.6% -1.4% YoY	29%
AMR	$22,076 +5.5% YoY+6.7% QoQ	$-8K	$29,652 +2.3% YoY	$16,757 +3.3% YoY	$19,920 +1.6% YoY	Bottom 13.7% in tier
CD Concentration	28.6% +2.1% YoY-0.1% QoQ	-0.3%	28.8%	15.4%	19.8%	50%
Indirect Auto %	3.0%	-15.1%	18.1%	8.3%	7.7%	21%

Signature Analysis

Strengths (3)

Organic Growth Leader

growth

#11 of 116 • Top 6.3% in tier

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

Why This Signature

Member Growth (YoY): 11.13%

(Tier: 3.50%, National: 10.19%)

better than tier avg

Indirect Auto %: 3.00%

(Tier: 18.07%, National: 7.73%)

better than tier avg

116 of 384 Mid-Market CUs have this signature | 518 nationally

→ No prior data (116 CUs now) | New qualifier

Organic Growth Engine

growth

#53 of 115 • Top 6.3% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 11.13%

(Tier: 3.50%, National: 10.19%)

better than tier avg

Return on Assets: 0.34%

(Tier: 0.72%, National: 0.39%)

but worse than tier avg

Indirect Auto %: 3.00%

(Tier: 18.07%, National: 7.73%)

better than tier avg

115 of 384 Mid-Market CUs have this signature | 499 nationally

→ No prior data (115 CUs now) | New qualifier

Wallet Share Momentum

growth

#108 of 125 • Top 28.4% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 5.49%

(Tier: 3.34%, National: 6.36%)

better than tier avg

125 of 384 Mid-Market CUs have this signature | 637 nationally

↑ Growing +31 CUs YoY | New qualifier

Concerns (1)

Efficiency Drag

risk

#75 of 100 • Bottom 10.7% in tier

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

Why This Signature

Efficiency Ratio: 86.05%

(Tier: 73.98%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.29% points

(Tier: 0.14% points, National: -0.45% points)

but better than tier avg

Member Growth (YoY): 11.13%

(Tier: 3.50%, National: 10.19%)

but better than tier avg

100 of 384 Mid-Market CUs have this signature | 702 nationally

↓ Shrinking -38 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 306 peers in tier

Top Strengths (10 metrics)

Deposit Growth Rate

growth

Value: 19.30%

Peer Median: 4.44%

#16 of 306 Top 4.9% in 1B-3B tier

Member Growth Rate

growth

Value: 11.13%

Peer Median: 2.03%

#18 of 306 Top 5.6% in 1B-3B tier

Asset Growth Rate

growth

Value: 18.46%

Peer Median: 4.82%

#18 of 306 Top 5.6% in 1B-3B tier

Total Members

engagement

Value: 164,381

Peer Median: 85,918

#23 of 306 Top 7.2% in 1B-3B tier

Loan Growth Rate

growth

Value: 14.67%

Peer Median: 5.67%

#27 of 306 Top 8.5% in 1B-3B tier

Members Per Employee (MPE)

engagement

Value: 472.359

Peer Median: 345.077

#30 of 306 Top 9.5% in 1B-3B tier

Total Deposits

balance_sheet

Value: $2.04B

Peer Median: $1.31B

#55 of 306 Top 17.6% in 1B-3B tier

Total Assets

balance_sheet

Value: $2.25B

Peer Median: $1.51B

#67 of 306 Top 21.6% in 1B-3B tier

Total Loans

balance_sheet

Value: $1.59B

Peer Median: $1.11B

#70 of 306 Top 22.5% in 1B-3B tier

Indirect Auto Concentration (%)

balance_sheet

Value: 3.00%

Peer Median: 13.86%

#72 of 306 Top 23.2% in 1B-3B tier

Top Weaknesses (6 metrics)

275

Net Worth Ratio

risk

Value: 8.86%

Peer Median: 10.85%

#275 of 306 Bottom 10.5% in 1B-3B tier

271

Efficiency Ratio

profitability

Value: 86.05%

Peer Median: 75.16%

#271 of 306 Bottom 11.8% in 1B-3B tier

268

Net Interest Margin (NIM)

profitability

Value: 2.69%

Peer Median: 3.37%

#268 of 306 Bottom 12.7% in 1B-3B tier

264

Average Member Relationship (AMR)

engagement

Value: $22,076

Peer Median: $28,178

#264 of 306 Bottom 14.1% in 1B-3B tier

260

Loan-to-Member Ratio (LMR)

engagement

Value: $9,648

Peer Median: $12,733

#260 of 306 Bottom 15.4% in 1B-3B tier

249

Return on Assets (ROA)

profitability

Value: 0.34%

Peer Median: 0.66%

#249 of 306 Bottom 19.0% in 1B-3B tier