Greenfield, Massachusetts · Peer group 4
Franklin First Credit Union
Franklin First Credit Union holds $88.5M in assets across 7,387 members as of Q1 2026 — about $12K of assets per member, on a charter dating to 1958. Charter number 12604, in the $50M-$100M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $88.5M |
|---|---|
| Total loans | $48.5M |
| Total shares (deposits) | $79.8M |
| Net worth | $7.6M |
| Members | 7,387 |
| Assets per member | $12K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 1.0% | |
|---|---|---|
| Loans | 5.5% | around the 81st percentile of its peer group |
| Deposits | -0.2% | around the 34th percentile of its peer group |
| Members | 1.0% | around the 77th percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 60.7% | around the 50th percentile of its peer group |
|---|---|---|
| Net worth ratio | 8.8% | lower than 91% of its peer group |
| Return on assets | 1.14% | around the 72nd percentile of its peer group |
| Delinquency ratio | 0.63% | around the 51st percentile of its peer group |
| Cash / assets | 7.6% | around the 30th percentile of its peer group |
| Borrowings / assets | 0.0% | around the 47th percentile of its peer group |
What this page does not show
Everything above is Franklin First Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Massachusetts — the comparison set a peer ratio is measured against.
- Allcom Credit Union
Worcester, MA
$82.7M · 3,823 members
- Westport Credit Union
Westport, MA
$82.4M · 6,169 members
- Tewksbury Credit Union
Tewksbury, MA
$94.8M · 6,033 members
- Athol Credit Union
Athol, MA
$97.3M · 6,279 members
- Common Trust Credit Union
Woburn, MA
$98.1M · 5,788 members
- New England Teamsters Credit Union
Charlestown, MA
$75.0M · 4,023 members
CUSignals is independent and is not affiliated with, endorsed by, or acting for Franklin First Credit Union, nor for any regulator or trade association. Figures on this page are drawn from institution-level data for the quarter shown and may trail the institution’s own reporting; they are presented for information and are not investment, credit or merger advice, and not a recommendation about this or any institution. No institution can pay to be listed, delisted, or shown differently. To request a correction, email admin@infinidatum.net. See the disclaimer and privacy policy.