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
Executive Summary
- Strongest standing: return on equity outperforms 79% of credit unions under $1B in assets (rank 356 of 1681).
- Widest gap: nonperforming loans / loans trails 55% of credit unions under $1B in assets (rank 924 of 1682).
- Overall: at or above the peer median on 6 of 7 directional measures.
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
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.20% | 0.35% | 0.74% | 1.18% | Beats 76% | 405 / 1,683 | |
| Return on Equity | 9.27% | 2.67% | 5.89% | 8.74% | Beats 79% | 356 / 1,681 | |
| Net Interest Margin | 3.84% | 3.31% | 3.82% | 4.32% | Beats 51% | 826 / 1,683 | |
| Efficiency Ratio | 70.08% | 68.91% | 78.20% | 86.93% | Beats 73% | 457 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.75% | 0.26% | 0.65% | 1.29% | Beats 45% | 924 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.92% | 10.44% | 12.89% | 16.53% | Beats 50% | 837 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.92% | 10.44% | 12.89% | 16.53% | Beats 50% | 837 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 50.58% | 52.61% | 69.38% | 83.50% | 22nd pctl | 1,310 / 1,683 | |
| Loans / Assets | 43.80% | 44.71% | 59.18% | 70.72% | 24th pctl | 1,280 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |