# FRANKLIN-SOMERSET
MADISON, ME · NCUA charter 15159 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/franklin-somerset-15159

Who the members are: federal charter, community charter, organized 1962, low-income designated. 10,005 members of 82,240 potential (12.2% of the field); checking penetration 58% (share draft accounts per 100 members); loans per 100 members 45.

**Verdict on the desk:** this could be *auto monoline*. 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 | $151.8M |
| Members | 10,005 (-1.0% YoY) |
| Full-time staff | 34 |
| Net worth | $18.8M |
| Net worth ratio | 12.4% (p60 of band) |
| ROA (annualized) | 1.16% (p77 of band) |
| Total delinquency | 0.64% (p51 of band) |
| Net charge-offs (annualized) | 0.49% (p65 of band) |
| Loans / shares | 49% (p16 of band) |
| Cash / assets | 55.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.72% (p53 of band) |
| Operating expense / assets | 3.10% (p29 of band) |
| Vehicles % of loans | 62% (p87 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 75% |
| Third-party paper % of net worth | 168% (p81 of band) |
| Vehicle delinquency | 0.58% (p51 of band) |
| Vehicle NCO | 0.78% (p65 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 24% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 3% |
| Core shares % of member funds | 64% |
| Certificates % of member funds | 24% |
| Average share balance | $6,773 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 45% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $14,253 |
| Loans granted, annualized | $22.3M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **3rd-party paper>100% NW** (`str_thirdparty`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | 3rd-party paper>100% NW |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 3 | delinquency 2x band, delinquency rising |  |
| 2017-09 | 3 |  |  |
| 2017-12 | 2 |  | delinquency rising |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 1 |  | delinquency 2x band |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | net worth falling |  |
| 2020-06 | 3 | margin squeeze |  |
| 2020-09 | 3 | delinquency 2x band | net worth falling |
| 2020-12 | 3 |  |  |
| 2021-03 | 3 | net worth falling | delinquency 2x band |
| 2021-06 | 3 | delinquency 2x band | net worth falling |
| 2021-09 | 3 |  |  |
| 2021-12 | 4 | loan book shrinking |  |
| 2022-03 | 5 | net worth falling, delinquency rising | loan book shrinking |
| 2022-06 | 3 |  | margin squeeze, delinquency rising |
| 2022-09 | 2 |  | net worth falling |
| 2022-12 | 3 | members leaving |  |
| 2023-03 | 1 |  | delinquency 2x band, members leaving |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 2 | auto monoline |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 3 | net worth falling |  |

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

- 2024-10-23 ['Best Places to Work in Maine': Companies on 2024 list ranked - WMTW](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPNWs4WDhRT0pESWh0MDR3NFlBZkxkX1JfMmNpR3RHUkcwdWJpVmZUbE1mNENaRTlGOW4zOGpYaVJJVGV2TFhOSjZ5bDljQUNiUHJvNVR0dEhoRDdnWEVlY244NU9rRXBLbHZ6TDluUUxOSElQcjU3M3NjTTBCTGxrdWdFX2NMQmhWUlhF?oc=5) · WMTW
- 2025-08-11 [Here are the 2025 ‘Best Places to Work in Maine’ - mainebiz.biz](https://news.google.com/rss/articles/CBMiggFBVV95cUxOVHhCVm5aTnQ0S0g0QW45YVFFeWJsd0FGaVJkSGhaQmNsSFBrcFMwVFR3VGx6bTNjMTh0TnczYjdMWnF5NE8xa2FfdG0zWUpOcURqNGZmeWVsdWNkRUR4WWlHSnM4T1BGMnhMSmxnT1U4R3N5VXlTZHkwNWp3ZjkycUNB?oc=5) · mainebiz.biz
- 2023-10-13 [What are the best companies to work for in Maine? - WABI](https://news.google.com/rss/articles/CBMidEFVX3lxTE5XTFA0dkVydWpSSVdSbmtVcDhRZklsN2dVeHhRZldUMU9ZNGhwOHBYaTRXc0F4dkZTeEQzY2IzdFhySW1OMlJHMl93UnhQWXY4SmpWWm1VY1BfakZ4OU9nZGFrQjlFM3UtbTBwaHc0UTN4MmY10gGIAUFVX3lxTE13bk5XUU9sNkU1MUJINE54OWcwYTIwM2pKSUNfQkMwbjZlaU0wa2lTQUNYUVd0V0l4V0tITi1hMW9JMmY0OWxValc0OVBKVUd5eGt5N0d2M1F3ck5WbXhMeHIyWGlBSzQxSktxSFIyMlNVTExBZTByeGpwMXBtQnBVd21tNjBRejk?oc=5) · WABI
- 2017-11-30 [John H. Stansfield (1935-2017) - Daily Bulldog](https://news.google.com/rss/articles/CBMickFVX3lxTFBIeU5tNEpIbUxiS3RIeWJvYVlFeW9kOXJ3S1JSZHNib0dNUFU4RU9vY0RlR3FSWlE4Rm8wbDBreXRKMEFtNU0ybjhSWm5hb1h5RTdITVN2c3JVb3NSTGd0UHJUaExZdmczSUdqdWtzTW5aQQ?oc=5) · Daily Bulldog
- 2019-11-09 [Paul Francis Noonan Obituary Nov 9, 2019 - Dolby, Blais & Segee](https://news.google.com/rss/articles/CBMiZEFVX3lxTE1JU1NDRkxHTV9VNlNmX1g0ZkNyMWQwMHZCSXNCZ0xzdEx1TUxJclBvYmtxYnFwR0VNQ3V6OVpvSnFpMk1hZlZjWmdlbnpkbWxJcTUwN0xkUEItQ0ZBWkllRVBTUDg?oc=5) · Dolby, Blais & Segee
- 2021-09-10 [Christopher Allen Obituary - Skowhegan, ME - Dignity Memorial](https://news.google.com/rss/articles/CBMiigFBVV95cUxQQnFDRnRxOEZfTzU2V2YzTXhXZUVrWjZrM25fMkI2Y3hJaExHV3R4RllLbEVZNHNFaTQ5bDZXTHY0N1pVRXAwYjZIaFh4NTIxUk01cC1JU0ZoVUltSlF5Q3Z3WHJ3S3phcmdOaWU1aHZCWnZ4bVdIWDRMTkF3WTlpSTBRU01NZ1pMNEE?oc=5) · Dignity Memorial
- 2023-10-12 [Here are the 2023 ‘Best Places to Work in Maine,’ ranked - mainebiz.biz](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNTndwcnZhSGxqdWE5ZUc1b21Qd1JzN21aMkNILXVjY3BKNmlzWTh0Rk03cFRWNXFhZ0ZtMldGSXZVV2RiX3NxMXlTZGZZRkJtbGU0T1Y2VkFKVE9RQUFZQnlaYkJ3SllxcWJpVGRUTWpKaXllTVd0MDZWT2J6OGVNam9CVUZpbVRRbFJF?oc=5) · mainebiz.biz
- 2018-04-05 [Sherman Lloyd Obituary - Skowhegan, ME - Dignity Memorial](https://news.google.com/rss/articles/CBMigwFBVV95cUxPcHQyVG9UUVlCOXE4cHh6NkplcVc1NkdCTjRtTmYyUTc5NUdYaEZSWnFqSXFWekJhZkNaX21wV1RLZVI3NXpheXFTVGZwMFE5bG1TTVZQLXRMSUk4bEhQSzlicEhLNFNzTEk4Z1ZuODE3NjNoUjhBTHA4SDZoM3VJUEhCYw?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=15159 (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/55.json (key "15159", 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=15159
- 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