Federal credit union · Greenfield, Massachusetts · NCUA charter #12604
Franklin First
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $86.5M
- Total assets
- 7,339
- Members
- 8.8%
- Net-worth ratio
Franklin First scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $86.5M; members 7,339; net-worth ratio 8.85%; health rank #1,726 of 4,374; healthier than 60th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#1,726 of 4,374 health · 2025Q4Franklin First · health 87/100 · $86.5M · 2025Q4
- DELQ 87/100
- ROA 8.8%
- ASSETS 0.76%
- MEM 0.51%
- RANK $86.5M
- PHOTO 7,339
- BOOK #1,726/4,374
- CHARTER RIVERBANK
- NCUSIF 12604
Call Report peers
Franklin First in the assets neighbourhood
Franklin First's $86.5M assets sit next to RIVERBANK ($86.5M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Franklin First vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
87 Top 40% higher than 60% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Franklin First - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #12604 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Franklin First vs $50M–$100M peers
- Delinquency Rate leads the peer set - 0.76% here, 0.96% peer average (-0.21 pp).
- Largest lag: Net Worth Ratio at 8.85% vs peer 13.62% (-4.77 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Franklin First in Massachusetts
- Health composite ranks #53 of 126 among scored Massachusetts credit unions.
- Massachusetts assets place: #63 of 126.
- Member book place in Massachusetts: #50 of 126.
In-state ordinals use the live credit_unions table for MA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Franklin First's 5300 filing moved
Franklin First: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.3% from $86.5M (2025Q4) to $88.5M (2026Q1).
- Net-worth ratio shifted +0.27 pp (8.58% → 8.85%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 8.85%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 87/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 87.
- Net Worth Ratio 27.1 pts
- Delinquency Rate 22.4 pts
- Return on Assets 15.0 pts
- Member Growth 9.5 pts
- Loan-to-Share Ratio 13.0 pts
Call Report ratios for Franklin First
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.85% | -4.77 pp |
| Delinquency Rate | 0.76% | -0.21 pp |
| Return on Assets | 0.51% | -0.15 pp |
| Member Growth | 0.42% | - |
| Loan-to-Share Ratio | 62.39% | -0.21 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $88.5M | - |
| 2025Q4 | $86.5M | 7,339 |
| 2024Q4 | $86.8M | 7,308 |
| 2023Q4 | $88.8M | 7,269 |
Credit Union Details
- Charter Number
- 12604
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Massachusetts
- City
- Greenfield
- Data Quarter
- 2025Q4
Branch Locations (4)
Franklin First operates 4 offices across 3 cities, spanning 2 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| 57 Newton St (Main Office) | Greenfield, MA |
| 57 Newton Street- Vestibule | Greenfield, MA |
| COCC AVON | Southington, CT |
| COCC WALLINGFORD | Wallingford, CT |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Massachusetts
A look at other Massachusetts credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near Franklin First
Franklin First's nationwide photo peers by assets and by health score, excluding Massachusetts charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($86.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (87/100 here).
Using this data
- Franklin First ranks #1,726 of 4,374 nationally on financial health and #53 of 126 in MA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- ALLCOM is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with ALLCOM
- Rates and health both vary by institution, not just by state -- see how Massachusetts credit unions compare overall before assuming this one is typical. Massachusetts state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Franklin First financially healthy?
Yes/no aside, the number is 87/100 (Excellent) - Franklin First's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,726 of 4,374; by total assets it ranks #1,952 of 4,374 nationally (same basis as /rankings/largest); and #63 of 126 within Massachusetts. Above 80 reads excellent, below 50 warrants closer monitoring; a 8.85% net worth ratio and 0.76% delinquency rate are the key drivers.
How does Franklin First compare to other credit unions?
Five weighted metrics from NCUA filings produce Franklin First's 87/100 score on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Franklin First?
Franklin First operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Franklin First directly for the exact boundaries and application steps.
Is my money safe at Franklin First?
Federal credit unions like Franklin First are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Franklin First's net worth ratio of 8.85% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Franklin First offer compared to banks?
Credit unions like Franklin First are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Franklin First directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.