Federal credit union · Hartford, Connecticut · NCUA charter #12
Franklin Trust
Health score 82/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 82
- Health / 100
- $67.2M
- Total assets
- 8,911
- Members
- 9.5%
- Net-worth ratio
Franklin Trust scores 82/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $67.2M; members 8,911; net-worth ratio 9.52%; health rank #2,467 of 4,374; healthier than 43rd of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#2,467 of 4,374 health · 2025Q4Franklin Trust · health 82/100 · $67.2M · 2025Q4
- NW 82/100
- DELQ 9.5%
- ROA 0.96%
- ASSETS 0.51%
- MEM $67.2M
- RANK 8,911
- PHOTO #2,467/4,374
- BOOK Modesto's First
- CHARTER 12
Call Report peers
Franklin Trust in the assets neighbourhood
Franklin Trust's $67.2M assets sit next to Modesto's First ($67.2M) 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 Trust 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
82 43rd percentile higher than 43% 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 Trust - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #12. See our deposit-insurance coverage note.
Franklin Trust vs $50M–$100M peers
- Strongest edge vs 584 $50M–$100M peers is Delinquency Rate: -0.00 pp (0.96% vs 0.96%).
- Largest lag: Loan-to-Share Ratio at 54.89% vs peer 62.60% (-7.71 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Franklin Trust sits in Connecticut
- Connecticut health ordinal: #32 of 64.
- Connecticut assets place: #27 of 64.
- Membership ranks #22 of 64 among Connecticut CUs with a reported count (8,911 members).
In-state ordinals use the live credit_unions table for CT only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Franklin Trust's 5300 filing moved
Franklin Trust: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +5.0% from $67.2M (2025Q4) to $70.6M (2026Q1).
- Net-worth ratio shifted -0.26 pp (9.78% → 9.52%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
9.52% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 82/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 82.
- Net Worth Ratio 28.8 pts
- Delinquency Rate 20.4 pts
- Return on Assets 15.0 pts
- Member Growth 6.4 pts
- Loan-to-Share Ratio 11.4 pts
Franklin Trust vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.52% | -4.10 pp |
| Delinquency Rate | 0.96% | -0.00 pp |
| Return on Assets | 0.51% | -0.14 pp |
| Member Growth | -1.43% | - |
| Loan-to-Share Ratio | 54.89% | -7.71 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 | $70.6M | - |
| 2025Q4 | $67.2M | 8,911 |
| 2024Q4 | $60.5M | 9,040 |
| 2023Q4 | $59.6M | 9,143 |
Credit Union Details
- Charter Number
- 12
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Connecticut
- City
- Hartford
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, Franklin Trust runs 2 offices.
| Office | City |
|---|---|
| Corporate Office (Main Office) | Hartford, CT |
| Main Office 632 | Hartford, CT |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Connecticut
Other federally-insured credit unions in Connecticut, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
Cross-state asset and health neighbours for Franklin Trust - kept outside Connecticut; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($67.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (82/100 here).
Using this data
- Franklin Trust ranks #2,467 of 4,374 nationally on financial health and #32 of 64 in CT -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Tobacco Valley Teachers is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Tobacco Valley Teachers
- Rates and health both vary by institution, not just by state -- see how Connecticut credit unions compare overall before assuming this one is typical. Connecticut 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 Trust financially healthy?
Franklin Trust has a financial health score of 82/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,467 of 4,374; by total assets it ranks #2,175 of 4,374 nationally (same basis as /rankings/largest); and #27 of 64 within Connecticut. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 9.52% and delinquency rate of 0.96%.
How does Franklin Trust compare to other credit unions?
On PlainCU's health composite, Franklin Trust lands at 82/100, compared to a peer group average for $50M–$100M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 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 Trust?
Franklin Trust 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 Trust directly for the exact boundaries and application steps.
Is my money safe at Franklin Trust?
Federal credit unions like Franklin Trust 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 Trust's net worth ratio of 9.52% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Franklin Trust offer compared to banks?
Credit unions like Franklin Trust 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 Trust 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.