Franklin First

Greenfield, MA · 1 · Charter #12604 · www.franklinfirst.org
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
$86.5M
36th percentile
Members
7,339
48th percentile
Total loans
$48.6M
38th percentile
Total shares
$77.9M
40th percentile

Profitability

Return on assets
1.16%
59th percentile
Net interest margin
4.22%
80th percentile
Efficiency ratio
68.00%
33th percentile
Non-interest income ratio
13.88%
34th percentile

Capital & Risk

Net worth ratio
8.51%
7th percentile
Delinquency rate
0.76%
48th percentile
Net charge-off rate
0.29%
54th percentile
Loan-to-share
62.39%
40th percentile

Growth

Member growth YoY
0.42%
63th percentile
Asset growth YoY
-0.43%
18th percentile
Loan growth YoY
6.32%
76th percentile
Share growth YoY
-0.99%
18th percentile

Operations

Members / branch
3,670
63th percentile
Assets / member
$11,780
26th percentile
Field of membership penetration
10.36%
59th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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