Franklin Trust

Hartford, CT · 1 · Charter #12 · www.franklintrust.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
$67.2M
18th percentile
Members
8,911
60th percentile
Total loans
$33.6M
19th percentile
Total shares
$61.1M
24th percentile

Profitability

Return on assets
1.83%
88th percentile
Net interest margin
5.30%
98th percentile
Efficiency ratio
74.03%
16th percentile
Non-interest income ratio
38.77%
99th percentile

Capital & Risk

Net worth ratio
9.78%
20th percentile
Delinquency rate
0.96%
35th percentile
Net charge-off rate
1.93%
2th percentile
Loan-to-share
54.89%
27th percentile

Growth

Member growth YoY
-1.43%
40th percentile
Asset growth YoY
11.01%
91th percentile
Loan growth YoY
4.83%
71th percentile
Share growth YoY
10.55%
89th percentile

Operations

Members / branch
8,911
97th percentile
Assets / member
$7,542
3th percentile
Field of membership penetration
47.12%
88th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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