Franklin First
Greenfield, MA · Charter 12604 · Peer group: credit unions under $1B in assets (n=1,674-1,677)
NCUA · 2 branches
Q1 2026
$88.5MAssets
$48.5MLoans
$79.8MShares
$7.6MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 94% of credit unions under $1B in assets (rank 107 of 1674).
- Widest gap: equity / assets trails 91% of credit unions under $1B in assets (rank 1532 of 1676).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
1.14%
Rank 433 of 1,677
Net Interest Margin
4.32%
Rank 404 of 1,676
Efficiency Ratio
75.74%
Rank 684 of 1,674
Equity / Assets
8.60%
Rank 1,532 of 1,676
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.14% | 0.29% | 0.71% | 1.15% | Beats 74% | 433 / 1,677 | | |
| Return on Equity | 13.25% | 2.30% | 5.46% | 8.75% | Beats 94% | 107 / 1,674 | | |
| Net Interest Margin | 4.32% | 3.27% | 3.78% | 4.29% | Beats 76% | 404 / 1,676 | | |
| Efficiency Ratio | 75.74% | 69.04% | 78.86% | 87.73% | Beats 59% | 684 / 1,674 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.63% | 0.23% | 0.59% | 1.15% | Beats 48% | 868 / 1,675 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 8.60% | 10.32% | 12.68% | 16.26% | Beats 9% | 1,533 / 1,677 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 8.60% | 10.32% | 12.68% | 16.26% | Beats 9% | 1,532 / 1,676 | | |
| Liquidity & Funding |
| Loans / Deposits | 60.75% | 52.64% | 68.65% | 82.42% | 36th pctl | 1,069 / 1,676 | | |
| Loans / Assets | 54.77% | 44.39% | 58.63% | 70.08% | 42nd pctl | 977 / 1,676 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |