FRANKLIN TRUST
Charter #12 · Hartford, CT · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 8,916 ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 5.36% ranks in the 97th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 2.20% sits at the 93rd percentile of structural peers — worth a closer look.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | FRANKLIN TRUST | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $70.57M | 48th pct | 43th pct |
| Members | 8,916 | 92th pct | 82th pct |
| Net worth ratio | 9.52% | 15th pct | 26th pct |
| Return on average assets | 0.82% | 58th pct | 70th pct |
| Net interest margin | 5.36% | 98th pct | 97th pct |
| Cost of funds | 0.73% | 37th pct | 31th pct |
| Loan-to-share | 50.70% | 31th pct | 44th pct |
| Delinquency 60+ days | 0.59% | 49th pct | 44th pct |
| Net charge-off ratio | 2.20% | 98th pct | 93th pct |
| Loan growth YoY | 3.91% | 89th pct | 82th pct |
| Share growth YoY | 8.68% | 94th pct | 98th pct |
| Efficiency ratio | 81.01% | 54th pct | 39th pct |
structural peer set hash: 54f2ebe350d6772c363a912ecfe8ae62… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.