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
- HEALTH 87/100
- NW 12.5%
- DELQ 0.00%
- ROA 0.75%
- ASSETS $3.1M
- MEM 380
- RANK #1,639/4,374
- PHOTO n/a
- BOOK 18582
Call Report peers
Franklin Regional Schools carries $3.1M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
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
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 Regional Schools - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #18582. See our deposit-insurance coverage note.
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).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for PA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Franklin Regional Schools Call Report trajectory
Franklin Regional Schools: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.6% from $3.1M (2025Q4) to $3.0M (2026Q1).
- Net-worth ratio shifted +0.25 pp (12.29% → 12.54%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 87.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
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
Two NCUA Call Report peer sets for Franklin Regional Schools, both outside Pennsylvania so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar health score
Nearest other-state credit unions by five-factor health composite (87/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Pennsylvania credit unions compare overall before assuming this one is typical. Pennsylvania 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 Regional Schools financially healthy?
Franklin Regional Schools scores 87/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,639 of 4,374; by total assets it ranks #4,041 of 4,374 nationally (same basis as /rankings/largest); and #251 of 275 within Pennsylvania. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 12.54% net worth ratio and a 0.00% delinquency rate.
How does Franklin Regional Schools compare to other credit unions?
Five weighted metrics from NCUA filings produce Franklin Regional Schools's 87/100 score on PlainCU's health composite, compared to a peer group average for $2M–$10M 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 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?
Federal credit unions like Franklin Regional Schools 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 Regional Schools's net worth ratio of 12.54% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Franklin Regional Schools offer compared to banks?
Credit unions like Franklin Regional Schools 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 Regional Schools 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.