FRANKLIN MINT
Charter #20042 · CHADDS FORD, PA · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 164,381 ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 8.86% sits at the 11th percentile of structural peers — worth a closer look.
- Return on average assets of 0.37% sits at the 15th percentile of structural peers — worth a closer look.
- Net interest margin of 2.91% sits at the 25th percentile of structural peers — worth a closer look.
- Efficiency ratio of 86.05% sits at the 89th 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 MINT | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $2.25B | 51th pct | 67th pct |
| Members | 164,381 | 64th pct | 75th pct |
| Net worth ratio | 8.86% | 10th pct | 11th pct |
| Return on average assets | 0.37% | 19th pct | 15th pct |
| Net interest margin | 2.91% | 22th pct | 25th pct |
| Cost of funds | 1.71% | 47th pct | 41th pct |
| Loan-to-share | 77.63% | 27th pct | 31th pct |
| Delinquency 60+ days | 0.57% | 44th pct | 52th pct |
| Net charge-off ratio | 0.37% | 30th pct | 57th pct |
| Loan growth YoY | 13.59% | 97th pct | 77th pct |
| Share growth YoY | 20.06% | 97th pct | 86th pct |
| Efficiency ratio | 86.05% | 91th pct | 89th pct |
structural peer set hash: a9f12b233ff244f22ad2482176e14df8… (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.