# FRANKLIN TRUST
Hartford, CT · NCUA charter 12 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/franklin-trust-12

Who the members are: federal charter, community charter, organized 1934, low-income designated. 8,916 members of 18,916 potential (47.1% of the field); checking penetration 65% (share draft accounts per 100 members); loans per 100 members 90.

**Verdict on the desk:** this could be *ordinary*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $70.6M |
| Members | 8,916 (-0.6% YoY) |
| Full-time staff | 25 |
| Net worth | $6.7M |
| Net worth ratio | 9.5% (p15 of band) |
| ROA (annualized) | 0.80% (p57 of band) |
| Total delinquency | 0.59% (p49 of band) |
| Net charge-offs (annualized) | 2.23% (p98 of band) |
| Loans / shares | 51% (p31 of band) |
| Cash / assets | 37.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 5.23% (p97 of band) |
| Operating expense / assets | 7.05% (p99 of band) |
| Vehicles % of loans | 27% (p24 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p25 of band) |
| Vehicle delinquency | 0.34% (p36 of band) |
| Vehicle NCO | 0.62% (p71 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 32% |
| Credit cards % of loans | 9% |
| Unsecured % of loans | 40% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 69% |
| Certificates % of member funds | 10% |
| Average share balance | $3,290 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 90% |
| Loans granted per 100 members, annualized | 32% |
| Average loan balance | $4,056 |
| Loans granted, annualized | $15.2M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **expense trap** (`earn_opex`)
- **charge-offs p90** (`aq_nco_high`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | expense trap |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | delinquency 2x band |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 4 | net worth falling, delinquency rising |  |
| 2017-06 | 2 |  | net worth falling, delinquency rising |
| 2017-09 | 3 | charge-offs p90 |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 4 | net worth falling |  |
| 2018-06 | 4 |  |  |
| 2018-09 | 3 |  | net worth falling |
| 2018-12 | 3 |  |  |
| 2019-03 | 2 |  | charge-offs p90 |
| 2019-06 | 3 | net worth falling |  |
| 2019-09 | 2 |  | net worth falling |
| 2019-12 | 2 |  |  |
| 2020-03 | 4 | charge-offs p90, assets shrinking |  |
| 2020-06 | 7 | losing money, margin squeeze, members leaving, loan book shrinking | assets shrinking |
| 2020-09 | 6 | net worth falling | members leaving, loan book shrinking |
| 2020-12 | 6 | thin capital | delinquency 2x band |
| 2021-03 | 7 | capital below 7% | losing money |
| 2021-06 | 3 |  | charge-offs p90, net worth falling, capital below 7% |
| 2021-09 | 3 |  |  |
| 2021-12 | 4 | charge-offs p90 |  |
| 2022-03 | 4 | delinquency rising | margin squeeze |
| 2022-06 | 3 |  | delinquency rising |
| 2022-09 | 3 |  |  |
| 2022-12 | 2 |  | thin capital |
| 2023-03 | 3 | delinquency rising, assets shrinking | charge-offs p90 |
| 2023-06 | 4 | charge-offs p90 |  |
| 2023-09 | 5 | delinquency 2x band |  |
| 2023-12 | 3 |  | assets shrinking, charge-offs p90 |
| 2024-03 | 4 | net worth falling, losing money, charge-offs p90 | delinquency rising, delinquency 2x band |
| 2024-06 | 2 |  | net worth falling, losing money |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 3 | net worth falling |  |
| 2025-06 | 2 |  | net worth falling |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 3 | net worth falling |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2018-07-09 [Obituary information for Audrey H. and Keith E. Dubay - Funk Funeral Home: Bristol](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQWXNBaFVfTWh2VnNDaVBNZDhockJ1UjJzY3oxakw5Q0p0aDEzSUtuSWl4TEUxMVEySWlMazV5cnBGbm01dHVfYS1ta3htQnRIYktTbHpndmtpUW50aXlzSGc0RzZrY0NNTkdOWGIzY2FtdThCOEpCa3ppZWhyeXYwSVRyRDB5WVlZZU1J?oc=5) · Funk Funeral Home: Bristol
- 2024-06-06 [Michael J. SHEA - Hartford Courant](https://news.google.com/rss/articles/CBMiggFBVV95cUxPeEU3NVFLR3kxdU1xS3hWa1ZLcVVaU05URnMzdEhBVHlTMndoRkZla1NIQlVQQThRLXFJZkx6Z200eDlnUjNtcjhudnRlTGJSN2tSaFFqS1JYSEh1U3h6Z0dSQzFLWmhQM3F4TnQzdVIxZm1ubG4yT0sySHYwNDREOXFR?oc=5) · Hartford Courant
- 2011-09-22 [Eugene Ciancimino Obituary - New Britain, CT - Dignity Memorial](https://news.google.com/rss/articles/CBMiiwFBVV95cUxOMF9PVWZja2ItYVp0bXlXU2RORW5GNnF1RjlqdjRib0xleUxPa3I2ZS1PTzBEX3QtRUZwNFRYZ2hNb0sySnp5WDM0Nzd4UEp5THdfZjZCTHpaVktOODVIb3dUb201TDh6YXJTNlUyd2VaOEoyY00zbDNoYVJNNmNHMUdxbzg2REFUU1Bv?oc=5) · Dignity Memorial
- 2024-06-12 [LaWanda SCOTT Obituary - Hartford Courant](https://news.google.com/rss/articles/CBMibEFVX3lxTE1YQmJacktMYUpLQ2E1QWpYUFVORENnaWtDU1hrbVZWTzBZUkRCdXRUblVPVVh2UkJJZzJNb0FPNEhpZm1DWG8xQjNVeXRZUDQ3ZGtuZnZBdDlEYXVOMXBMMERPQ29TaDhVRHZXeg?oc=5) · Hartford Courant
- 2009-06-18 [Babajide Oseni Obituary (2009) - Windsor, CT - Hartford Courant - legacy.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxPbUxmcGFRZ2otZ1hpRVpMejBEN2R1b0JfNG1vS01sWGNYNlcyaUhzU0N6MC16alpfOG00WllTQkpTTnRqN29VZmZaVjIyWllQZkZiaXozNl9iVnVHZDB2VXhLcnU1XzdfTU1hQkY0NFh2MlNPQWQxWU1pUDhVdS1JeFZkY1VjMUdqYWE2NHN3Z2VUZEx0bGYtbw?oc=5) · legacy.com
- 2024-06-16 [Stephanie Louise EADY - Hartford Courant](https://news.google.com/rss/articles/CBMie0FVX3lxTE4yZnJNamVGemk1UnlIYXhKcWVYZDBsWUhDd25MaHA3U21xVGEyVmdQLWgzX3lDaHFUUEMyT1J5Xy1UZFBoalZfekhEUXpRc2QzZWxsdi1Nb012ZHdHb24xLTdzR2hyUFlrZmx3bWE4UXRyeUllNG9OTUpuOA?oc=5) · Hartford Courant
- 2024-06-05 [Robert Parzych Obituary - Hartford Courant](https://news.google.com/rss/articles/CBMibEFVX3lxTE5kUF85aUFCSkFuTFN2SUVMd2VXV0kwQjBTN2NlUW9HS0g2M2puVlBYRklNUEFtcmlacGRXaXJtQ1VuVy1IWFhNTnoxNXMycExXVUZxTmxjOFQwSzMwWkNQV2VSZXRGT3hVV3RGSA?oc=5) · Hartford Courant
- 2024-06-10 [Michael Benoit DeMAIO - Hartford Courant](https://news.google.com/rss/articles/CBMilAFBVV95cUxOamRfbkVEQ1A2SDU0Q191US05LWc5NlZyMmlQbDNrV2U5c085T0d0VUJSUkVwLU93TWROVjBDeVYyX1pRV1ZpX1Rqc2gxc2xpMmttZ19zWGQ5bWFKTktUN0NyQTlyZk9aVlYtV1BNdjR4WWloY0wzOHV2cWl3NTgxSW9JUmViTkk0ZjJ5OTZEN0laUWht?oc=5) · Hartford Courant

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=12 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/12.json (key "12", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=12
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide