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
- ASSETS 86/100
- MEM 12.4%
- RANK 0.79%
- PHOTO 0.83%
- BOOK $144.4M
- CHARTER 9,983
- NCUSIF #1,802/4,374
- CAMELS Texas Health
- HEALTH 15159
Call Report peers
FRANKLIN-SOMERSET in the assets neighbourhood
FRANKLIN-SOMERSET's $144.4M assets sit next to Texas Health ($144.4M) 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-SOMERSET 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
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
FRANKLIN-SOMERSET - Share Insurance Coverage
Charter #15159's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
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).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for ME only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for FRANKLIN-SOMERSET
FRANKLIN-SOMERSET: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +5.1% from $144.4M (2025Q4) to $151.8M (2026Q1).
- Net-worth ratio shifted -0.34 pp (12.75% → 12.41%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 86.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
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
Two NCUA Call Report peer sets for FRANKLIN-SOMERSET, both outside Maine so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($144.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (86/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Maine credit unions compare overall before assuming this one is typical. Maine 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-SOMERSET financially healthy?
A 12.41% net worth ratio and a 0.79% delinquency rate feed into FRANKLIN-SOMERSET's financial health score of 86/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,802 of 4,374; by total assets it ranks #1,516 of 4,374 nationally (same basis as /rankings/largest); and #29 of 48 within Maine. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does FRANKLIN-SOMERSET compare to other credit unions?
FRANKLIN-SOMERSET scores 86/100 on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and 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-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?
Federal credit unions like FRANKLIN-SOMERSET 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-SOMERSET's net worth ratio of 12.41% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does FRANKLIN-SOMERSET offer compared to banks?
Credit unions like FRANKLIN-SOMERSET 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-SOMERSET 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.