FRANKLIN FIRST
Charter #12604 · Greenfield, MA · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.85% sits at the 18th percentile of structural peers — worth a closer look.
- Return on average assets of 1.15% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.37% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 75.73% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 81st percentile but its structural peers at the 48th — a 33-point gap showing why the peer definition matters.
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 FIRST | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $88.47M | 81th pct | 48th pct |
| Members | 7,387 | 83th pct | 54th pct |
| Net worth ratio | 8.85% | 9th pct | 18th pct |
| Return on average assets | 1.15% | 72th pct | 89th pct |
| Net interest margin | 4.37% | 84th pct | 82th pct |
| Cost of funds | 0.67% | 32th pct | 34th pct |
| Loan-to-share | 60.75% | 50th pct | 43th pct |
| Delinquency 60+ days | 0.63% | 51th pct | 39th pct |
| Net charge-off ratio | 0.21% | 46th pct | 38th pct |
| Loan growth YoY | 1.16% | 72th pct | 62th pct |
| Share growth YoY | 4.85% | 72th pct | 72th pct |
| Efficiency ratio | 75.73% | 39th pct | 15th pct |
structural peer set hash: d3271ccb47f2019b7965d47a83b354e5… (reproducible)
Closest structural peers
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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.