Federal credit union · MADISON, Maine · NCUA charter #15159
FRANKLIN-SOMERSET
Health score 86/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 86
- Health / 100
- $144.4M
- Total assets
- 9,983
- Members
- 12.4%
- Net-worth ratio
FRANKLIN-SOMERSET scores 86/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $144.4M; members 9,983; net-worth ratio 12.41%; health rank #1,802 of 4,374; healthier than 57th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,802 of 4,374 health · 2025Q4FRANKLIN-SOMERSET · health 86/100 · $144.4M · 2025Q4
Call Report peers
FRANKLIN-SOMERSET in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
FRANKLIN-SOMERSET vs every NCUA-scored credit union
FRANKLIN-SOMERSET sits in the busiest band, 85-89, alongside 857 other credit unions.
86 Top 43% higher than 57% 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
Peer-gap read for FRANKLIN-SOMERSET
- Net Worth Ratio leads the peer set - 12.41% here, 12.11% peer average (+0.30 pp).
- Loan-to-Share Ratio trails the peer set - 51.82% here, 72.20% peer average (-20.38 pp).
Where FRANKLIN-SOMERSET sits in Maine
- Maine health ordinal: #32 of 48.
- By total assets, FRANKLIN-SOMERSET is #29 of 48 in Maine.
- Membership ranks #29 of 48 among Maine CUs with a reported count (9,983 members).
- One place up in Maine, KATAHDIN (#31) ties at 86/100; one place down, Maine Media (#33) scores 85/100, 1 point lower.
Quarter path for FRANKLIN-SOMERSET
FRANKLIN-SOMERSET: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +5.1% from $144.4M (2025Q4) to $151.8M (2026Q1).
- Net-worth ratio shifted -0.34 pp (12.75% → 12.41%).
This credit union's 12.41% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 86/100 score is built
FRANKLIN-SOMERSET gives up 14 points in total. Member Growth costs the most, 7.4 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 22.1 pts
- Return on Assets 15.0 pts
- Member Growth 7.6 pts
- Loan-to-Share Ratio 11.3 pts
FRANKLIN-SOMERSET vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.41% | +0.30 pp |
| Delinquency Rate | 0.79% | -0.10 pp |
| Return on Assets | 0.83% | +0.21 pp |
| Member Growth | -0.80% | - |
| Loan-to-Share Ratio | 51.82% | -20.38 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
FRANKLIN-SOMERSET filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $151.8M | - |
| 2025Q4 | $144.4M | 9,983 |
| 2024Q4 | $135.3M | 10,064 |
| 2023Q4 | $126.9M | 10,050 |
Credit Union Details
- Charter Number
- 15159
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Maine
- City
- MADISON
- Data Quarter
- 2025Q4
Branch Locations (7)
Per its most recent NCUA branch filing, FRANKLIN-SOMERSET runs 7 offices in 6 different cities across 2 states.
| Office | City |
|---|---|
| Operations Center (Main Office) | MADISON, ME |
| Farmington | FARMINGTON, ME |
| Kingfield | KINGFIELD, ME |
| Madison | MADISON, ME |
| Skowhegan | SKOWHEGAN, ME |
| Stratton | STRATTON, ME |
| CO-OP FINANCIAL SERVICES SHARED BRANCH/VELERA | TAMPA, FL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Maine
A look at other Maine credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for FRANKLIN-SOMERSET
Similar total assets
Using this data
- FRANKLIN-SOMERSET ranks #1,802 of 4,374 nationally on financial health and #32 of 48 in ME -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Lincoln Maine is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Lincoln Maine
Frequently Asked Questions
Is FRANKLIN-SOMERSET financially healthy?
FRANKLIN-SOMERSET has a financial health score of 86/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,802 of 4,374 nationally on health and #32 of 48 in Maine. Its net worth ratio is 12.41% and its delinquency rate 0.79%.
How does FRANKLIN-SOMERSET compare to other credit unions?
FRANKLIN-SOMERSET scores 86/100, higher than 57% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is net worth ratio (12.41% vs 12.11%). Its widest shortfall is loan-to-share ratio (51.82% vs 72.20%).
How can I join FRANKLIN-SOMERSET?
FRANKLIN-SOMERSET 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-SOMERSET directly for the exact boundaries and application steps.
Is my money safe at FRANKLIN-SOMERSET?
FRANKLIN-SOMERSET 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-SOMERSET's net worth ratio of 12.41% 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.