Franklin-Somerset

MADISON, ME · 1 · Charter #15159 · www.f-sfcu.com
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$144.4M
70th percentile
Members
9,983
69th percentile
Total loans
$65.0M
55th percentile
Total shares
$125.4M
71th percentile

Profitability

Return on assets
1.16%
58th percentile
Net interest margin
3.73%
54th percentile
Efficiency ratio
60.21%
58th percentile
Non-interest income ratio
14.46%
36th percentile

Capital & Risk

Net worth ratio
12.75%
57th percentile
Delinquency rate
0.79%
46th percentile
Net charge-off rate
0.41%
42th percentile
Loan-to-share
51.82%
22th percentile

Growth

Member growth YoY
-0.80%
47th percentile
Asset growth YoY
6.71%
74th percentile
Loan growth YoY
1.96%
54th percentile
Share growth YoY
6.39%
74th percentile

Operations

Members / branch
1,664
12th percentile
Assets / member
$14,461
50th percentile
Field of membership penetration
12.14%
62th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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