FRANKLIN-SOMERSET
Charter #15159 · MADISON, ME · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- On Total assets, the asset-size band puts this credit union at the 32nd percentile but its structural peers at the 61st — a 29-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-SOMERSET | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $151.77M | 32th pct | 61th pct |
| Members | 10,005 | 32th pct | 52th pct |
| Net worth ratio | 12.41% | 63th pct | 52th pct |
| Return on average assets | 1.18% | 78th pct | 59th pct |
| Net interest margin | 3.81% | 61th pct | 67th pct |
| Cost of funds | 1.01% | 39th pct | 54th pct |
| Loan-to-share | 48.88% | 11th pct | 30th pct |
| Delinquency 60+ days | 0.64% | 52th pct | 62th pct |
| Net charge-off ratio | 0.48% | 63th pct | 74th pct |
| Loan growth YoY | -2.02% | 24th pct | 31th pct |
| Share growth YoY | 7.10% | 88th pct | 87th pct |
| Efficiency ratio | 69.63% | 24th pct | 43th pct |
structural peer set hash: 6080c25a72a770b5809d8b39b8c3222a… (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.