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.
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#2,467 of 4,374 health · 2025Q4Franklin Trust · health 82/100 · $67.2M · 2025Q4
Call Report peers
Franklin Trust in the assets neighbourhood
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Franklin Trust vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Franklin Trust sits in 80-84 with 767 others.
82 43rd percentile higher than 43% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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).
- One place up in Connecticut, CONNEX (#31) scores 83/100, 1 point higher; one place down, American Eagle Financial (#33) scores 81/100, 1 point lower.
How Franklin Trust's 5300 filing moved
Franklin Trust: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +5.0% from $67.2M (2025Q4) to $70.6M (2026Q1).
- Net-worth ratio shifted -0.26 pp (9.78% → 9.52%).
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
Franklin Trust gives up 18 points in total. Member Growth costs the most, 8.6 of its 15; Return on Assets scores full marks.
- 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 |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Franklin Trust financially healthy?
Franklin Trust has a financial health score of 82/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,467 of 4,374 nationally on health and #32 of 64 in Connecticut. Its net worth ratio is 9.52% and its delinquency rate 0.96%.
How does Franklin Trust compare to other credit unions?
Franklin Trust scores 82/100, higher than 43% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is delinquency rate (0.96% vs 0.96%). Its widest shortfall is loan-to-share ratio (54.89% vs 62.60%).
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?
Franklin Trust 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 Trust's net worth ratio of 9.52% 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.