PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Franklin Trust

Hartford, CT · Charter 12

NCUA · 2 branches

Q2 2026

$70.0MAssets
$33.5MLoans
$63.4MShares
$6.9MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.88%, up 18 bps year over year; NIM at 5.36%.
  • Asset quality: problem loans at 0.88% of loans (-9 bps YoY).
  • Capital: net worth / assets of 9.84%, down 3 bps from a year ago.
  • Funding: loans stand at 52.90% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.88%+18 bps YoY

Net Interest Margin (quarter, annualized)

5.36%-3 bps YoY

Efficiency Ratio (quarter, annualized)

79.04%-306 bps YoY

Net Worth / Assets

9.84%-3 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.70%0.47%0.46%0.80%0.88%+18 bps
Return on Equity7.11%4.73%4.74%8.37%8.98%+187 bps
Net Interest Margin5.38%5.42%5.30%5.23%5.36%-3 bps
Efficiency Ratio82.10%81.70%79.98%81.01%79.04%-306 bps
Growth
Asset Growth (YoY)9.37%10.72%11.01%7.41%6.35%-302 bps
Loan Growth (YoY)12.98%8.28%4.83%3.85%7.12%-586 bps
Share Growth (YoY)8.63%10.17%10.55%7.17%5.79%-284 bps
Asset Quality
Delinquent Loans / Loans0.97%0.99%0.96%0.59%0.88%-9 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.87%9.99%9.78%9.52%9.84%-3 bps
Net Worth / Assets9.87%9.99%9.78%9.52%9.84%-3 bps
Liquidity & Funding
Loans / Shares52.25%53.03%54.89%50.70%52.90%+65 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps