# FRANKLIN MINT
CHADDS FORD, PA · NCUA charter 20042 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/franklin-mint-20042

Who the members are: federal charter, multiple common bond, organized 1970, low-income designated. 164,381 members of 1,323,570 potential (12.4% of the field); checking penetration 53% (share draft accounts per 100 members); loans per 100 members 33.

**Verdict on the desk:** this could be *ordinary*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $2.25B |
| Members | 164,381 (11.1% YoY) |
| Full-time staff | 340 |
| Net worth | $176.1M |
| Net worth ratio | 7.8% (p2 of band) |
| ROA (annualized) | 0.34% (p18 of band) |
| Total delinquency | 0.57% (p45 of band) |
| Net charge-offs (annualized) | 0.35% (p29 of band) |
| Loans / shares | 78% (p27 of band) |
| Cash / assets | 9.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.69% (p15 of band) |
| Operating expense / assets | 3.30% (p56 of band) |
| Vehicles % of loans | 15% (p22 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 20% |
| Third-party paper % of net worth | 35% (p21 of band) |
| Vehicle delinquency | 0.36% (p23 of band) |
| Vehicle NCO | 0.90% (p46 of band) |
| Repossessed % of vehicle book | 0.00% (p11 of band) |
| Real estate % of loans | 62% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 127% |
| Core shares % of member funds | 60% |
| Certificates % of member funds | 29% |
| Average share balance | $7,178 |
| Participations bought / yr | $6.5M |
| Participations sold / yr | $0 |
| Participations outstanding | $68.6M |
| Loans outstanding per 100 members | 33% |
| Loans granted per 100 members, annualized | 2% |
| Average loan balance | $29,190 |
| Loans granted, annualized | $125.1M |

## Participation posture (from the same filings)

Bought $6.5M and sold $0 in the latest annualized quarter; $68.6M outstanding purchased (39.0% of net worth), $13.4M sold and retained. Sold in 3 and bought in 8 of the last 8 quarters. Shares 19.3% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | thin capital |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 3 | net worth falling, expense trap |  |
| 2017-06 | 2 |  | net worth falling |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 3 | delinquency 2x band |  |
| 2019-03 | 2 |  | delinquency 2x band |
| 2019-06 | 4 | delinquency 2x band, delinquency rising |  |
| 2019-09 | 3 |  | delinquency rising |
| 2019-12 | 3 |  |  |
| 2020-03 | 2 |  | delinquency 2x band |
| 2020-06 | 4 | net worth falling, delinquency 2x band |  |
| 2020-09 | 3 |  | net worth falling |
| 2020-12 | 3 | margin squeeze | delinquency 2x band |
| 2021-03 | 5 | net worth falling, delinquency 2x band |  |
| 2021-06 | 1 |  | expense trap, margin squeeze, net worth falling, delinquency 2x band |
| 2021-09 | 2 | expense trap |  |
| 2021-12 | 1 |  | expense trap |
| 2022-03 | 2 | expense trap |  |
| 2022-06 | 1 |  | expense trap |
| 2022-09 | 2 | leaning on borrowings |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 | delinquency rising | leaning on borrowings |
| 2023-06 | 2 |  |  |
| 2023-09 | 3 | leaning on borrowings |  |
| 2023-12 | 2 |  | leaning on borrowings |
| 2024-03 | 3 | net worth falling, losing money | delinquency rising |
| 2024-06 | 2 |  | net worth falling |
| 2024-09 | 2 |  |  |
| 2024-12 | 1 |  | losing money |
| 2025-03 | 2 | net worth falling |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 1 |  | net worth falling |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |

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

- 2026-08-25 [Franklin Mint Federal Credit Union outage disrupts website, digital banking - NBC10 Philadelphia](https://news.google.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?oc=5) · NBC10 Philadelphia
- 2025-12-17 [Franklin Mint Federal Credit Union President/CEO, Michael B. Magnavita to Retire in May 2026. Drew Stanley Appointed Successor. - PR Newswire](https://news.google.com/rss/articles/CBMiigJBVV95cUxNZ1RsU01feUk0NTE0d3JOQlYtZTh2T0o5RndYNWYyREN0eXQ2bm9XMkowaU1EdzJ4NElTX29VcHdKVEZVdmZHQW43N1JHMU5zYUprUnh4VUNyd2FxZUpQUDV1LVF5VHZsMTRUODI1MVlaQk90ZjZjTWp3SGVHbVF2dmROdElQa211Y18zR20zcm1scGFuQXI5UldNYlFrNzlQbmFkbW5PVGEwNkk1a1BaWE5nbzgyY3pCVWNyMzNCWmtWR1hvODNhVkQzTnYwaUZiLXhFTG5UdnVQNlZyRzQzUlJUUmktV09qRFkzZHozSUU4enBYN0wwUmZXUlFseWNHcGpGQ0ItQjVRdw?oc=5) · PR Newswire
- 2026-06-20 [Delco health department announces drive for back-to-school items - Delco Times](https://news.google.com/rss/articles/CBMipgFBVV95cUxOZVBweERQYWtRbkI3VDdvY3d0a0pMMlhWWjNpN19EXzdoZ1gzc29TSTJ5alFhbjFFUENfS25lSnRqbGs2WEwtUXI4YWxEUjR6NF9iTHFRUTh5UkZHXzR4ZEVVUzlKSGZ1cXVWcDJBRWk1UjQ5UkZFdVhmd0M3ekZtXzVwOVhwTmFwNGxyajRZQUZZNzMyc2JPSWcyMTB5QlpwYl9sVTJn?oc=5) · Delco Times
- 2026-01-26 [Daniel L. Stapleford Obituary Jan 26, 2026 - Grieco Funeral Home & Crematory, Inc.](https://news.google.com/rss/articles/CBMia0FVX3lxTE1vdUkzZUZLZkZaUklYTGROY3ZUQS05VnRpWkllZE9ZM2VRczJqZ1owdldvNnBZOUhRZUs2ekt1ZGp2bHFLREJTdktDYnA4c1RvZkF0STRucGV3YU9HYy1pZUg3QmxzOGJNT3g4?oc=5) · Grieco Funeral Home & Crematory, Inc.
- 2023-05-24 [2 men caught on camera putting skimmer on ATM outside credit union in Folsom, Delaware County - 6abc Philadelphia](https://news.google.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?oc=5) · 6abc Philadelphia
- 2026-01-30 [The Best Savings Accounts in Pennsylvania for 2026 - moneyrates.com](https://news.google.com/rss/articles/CBMifkFVX3lxTE5pM0dKYTlnQWcwQXVDdl9RQ2hJOFV2OTlQdDdKWWoza0dYaUFxNG56OEZab05IdVlHbHBnX1l4a1ZpUl9HUTVTa0FjV3hyclBYNklhbjRWaHVBT0tfRDUxTDd0bXRMUWJTR3VoU0puX1ZvdllLS0hsWnN3NG1XQQ?oc=5) · moneyrates.com
- 2023-04-24 [Franklin Mint Credit Union celebrates opening new site for Longwood branch - The Unionville Times |](https://news.google.com/rss/articles/CBMiUkFVX3lxTE1aRWFzY2gtYTNTNExEaGZOU0hDZFZmNldZMFNTRFJvRzB5S2l6QTBlSzNyUERFNmI1SUQxTzdZb3IzcU9KLVpQX2lXU3VBMmpoanc?oc=5) · The Unionville Times |
- 2024-08-07 [10 Most Respected Credit Unions in Pennsylvania for 2024 - CardRates.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxOOXg5c0t0dTJOY2pUVmMwbFg5eFhkdGdrM2Q4WVdIby1yLVdsM2ZZTUxneEx2RnhNbFYtcWlIb052eUFITjlYUWRnV3pTZUxIY1R6a3N0V3VtbzcxNmlCWVU1MXVYZER1TVk0Xzl6SE9ZTENOMUY3MHdtOEg3eEV3V1pIR1hqdk1MQ1ZXc0tMVkJQZVFF?oc=5) · CardRates.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=20042 (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/10.json (key "20042", 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=20042
- 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.

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