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Franklin-Somerset

Madison, ME · Charter 15159

NCUA · 6 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Credit unions under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

50

Q2 2024Q2 2026peer median (50)

Asset Quality

45

Q2 2024Q2 2026peer median (50)

Profitability

69

Q2 2024Q2 2026peer median (50)

Liquidity

39

Q2 2024Q2 2026peer median

Efficiency

73

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Franklin-Somerset

Madison, ME · Charter 15159

NCUA · 6 branches

Q2 2026

$149.3MAssets
$65.4MLoans
$129.3MShares
$19.3MNet Worth

Return on Assets (YTD, annualized)

1.20%+11 bps YoY

Net Interest Margin (YTD, annualized)

3.84%-9 bps YoY

Efficiency Ratio (YTD, annualized)

70.09%-238 bps YoY

Net Worth / Assets

12.92%+25 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Return on Assets1.09%0.88%0.91%1.09%1.09%0.97%1.16%1.20%+11 bps
Net Interest Margin3.84%3.72%3.75%3.93%3.88%3.73%3.72%3.84%-9 bps
Asset Growth (YoY)6.56%6.60%5.51%5.01%4.56%6.71%8.38%6.49%+148 bps
Share Growth (YoY)6.39%6.64%5.57%4.47%3.99%6.39%8.01%6.38%+192 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Risk-Based Capital12.44%12.57%12.37%12.68%12.78%12.75%12.41%12.92%+25 bps
Loans / Shares53.62%54.07%52.71%54.32%53.44%51.82%48.88%50.58%-375 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Franklin-Somerset

Madison, ME · Charter 15159 · Peer group: credit unions under $1B in assets (n=1,681-1,683)

NCUA · 6 branches

Q2 2026

$149.3MAssets
$65.4MLoans
$129.3MShares
$19.3MNet Worth

Return on Assets

1.20%

Rank 405 of 1,683

Net Interest Margin

3.84%

Rank 826 of 1,683

Efficiency Ratio

70.08%

Rank 457 of 1,682

Equity / Assets

12.92%

Rank 837 of 1,683

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Return on Assets1.20%0.35%0.74%1.18%Beats 76%405 / 1,683
Net Interest Margin3.84%3.31%3.82%4.32%Beats 51%826 / 1,683
Nonperforming Loans / Loans0.75%0.26%0.65%1.29%Beats 45%924 / 1,682
Tier 1 Capital Ratio12.92%10.44%12.89%16.53%Beats 50%837 / 1,683
Equity / Assets12.92%10.44%12.89%16.53%Beats 50%837 / 1,683
Loans / Assets43.80%44.71%59.18%70.72%24th pctl1,280 / 1,683