Federal credit union · Jeannette, Pennsylvania · NCUA charter #18582
Franklin Regional Schools
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $3.1M
- Total assets
- 380
- Members
- 12.5%
- Net-worth ratio
Franklin Regional Schools scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $3.1M; members 380; net-worth ratio 12.54%; health rank #1,639 of 4,374; healthier than 60th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,639 of 4,374 health · 2025Q4Franklin Regional Schools · health 87/100 · $3.1M · 2025Q4
Call Report peers
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Franklin Regional Schools vs every NCUA-scored credit union
Franklin Regional Schools sits in the busiest band, 85-89, alongside 857 other credit unions.
87 Top 40% higher than 60% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where Franklin Regional Schools diverges from peer averages
- Loan-to-Share Ratio leads the peer set - 78.45% here, 63.60% peer average (+14.85 pp).
- Net Worth Ratio trails the peer set - 12.54% here, 19.06% peer average (-6.52 pp).
Franklin Regional Schools in Pennsylvania
- Health composite ranks #79 of 275 among scored Pennsylvania credit unions.
- By total assets, Franklin Regional Schools is #251 of 275 in Pennsylvania.
- Pennsylvania membership ordinal: #255 of 275.
- One place up in Pennsylvania, A & S (#78) ties at 87/100; one place down, AMERICHOICE (#80) ties at 87/100.
Franklin Regional Schools Call Report trajectory
Franklin Regional Schools: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.6% from $3.1M (2025Q4) to $3.0M (2026Q1).
- Net-worth ratio shifted +0.25 pp (12.29% → 12.54%).
At 12.54%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 87/100 score is built
Franklin Regional Schools gives up 13 points in total. Member Growth costs the most, 12.8 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 2.2 pts
- Loan-to-Share Ratio 14.8 pts
Franklin Regional Schools vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.54% | -6.52 pp |
| Delinquency Rate | 0.00% | -1.81 pp |
| Return on Assets | 0.75% | +0.30 pp |
| Member Growth | -3.80% | - |
| Loan-to-Share Ratio | 78.45% | +14.85 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $3.0M | - |
| 2025Q4 | $3.1M | 380 |
| 2024Q4 | $3.1M | 395 |
| 2023Q4 | $3.0M | 411 |
Credit Union Details
- Charter Number
- 18582
- Type
- Federal
- Field of Membership
- Single Common Bond
- Peer Group
- $2M–$10M
- State
- Pennsylvania
- City
- Jeannette
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for Franklin Regional Schools, spread across 2 cities.
| Office | City |
|---|---|
| Main Office (Main Office) | Jeannette, PA |
| PAconnect | GREENSBURG, PA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Pennsylvania
Other federally-insured credit unions in Pennsylvania, closest first by peer group and asset size.
Franklin Regional Schools nationwide neighbourhoods
Using this data
- Franklin Regional Schools ranks #1,639 of 4,374 nationally on financial health and #79 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- B I is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with B I
Frequently Asked Questions
Is Franklin Regional Schools financially healthy?
On its 2025Q4 NCUA 5300 filing, Franklin Regional Schools scores 87/100 (Excellent), with a 12.54% net worth ratio and 0.00% of loans delinquent. It ranks #1,639 of 4,374 nationally on health and #79 of 275 in Pennsylvania.
How does Franklin Regional Schools compare to other credit unions?
Franklin Regional Schools scores 87/100, higher than 60% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is loan-to-share ratio (78.45% vs 63.60%). Its widest shortfall is net worth ratio (12.54% vs 19.06%).
How can I join Franklin Regional Schools?
Franklin Regional Schools is chartered around a single common bond (Single Common Bond), membership is generally limited to employees of a specific employer or a defined occupational group and their immediate family. Contact Franklin Regional Schools directly to confirm eligibility.
Is my money safe at Franklin Regional Schools?
Franklin Regional Schools is a federal credit union; its shares are federally 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 Regional Schools's net worth ratio of 12.54% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.