Madison, Maine · Peer group 5
Franklin-Somerset Credit Union
Franklin-Somerset Credit Union holds $151.8M in assets across 10,005 members as of Q1 2026 — about $15K of assets per member, on a charter dating to 1962. Charter number 15159, in the $100M-$500M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $151.8M |
|---|---|
| Total loans | $64.6M |
| Total shares (deposits) | $132.1M |
| Net worth | $18.8M |
| Members | 10,005 |
| Assets per member | $15K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 8.4% | |
|---|---|---|
| Loans | 0.2% | around the 35th percentile of its peer group |
| Deposits | 8.0% | around the 85th percentile of its peer group |
| Members | -1.0% | around the 41st 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 | 48.9% | around the 11th percentile of its peer group |
|---|---|---|
| Net worth ratio | 12.4% | around the 63rd percentile of its peer group |
| Return on assets | 1.16% | around the 78th percentile of its peer group |
| Delinquency ratio | 0.64% | around the 52nd percentile of its peer group |
| Cash / assets | 20.3% | higher than 91% of its peer group |
| Borrowings / assets | 0.0% | around the 40th percentile of its peer group |
What this page does not show
Everything above is Franklin-Somerset 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 Maine — the comparison set a peer ratio is measured against.
- Central Maine Credit Union
Lewiston, ME
$143.1M · 6,460 members
- Lincoln Maine Credit Union
LINCOLN, ME
$161.6M · 6,920 members
- K V Credit Union
Augusta, ME
$138.4M · 10,948 members
- Connected Credit Union
AUGUSTA, ME
$133.6M · 7,611 members
- Trademark Credit Union
Augusta, ME
$132.6M · 8,110 members
- Casco Credit Union
Gorham, ME
$121.4M · 9,134 members
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