Franklin First Federal Credit Union
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.1 on a scale of 0 to 10). Good current capitalization (5.9 on a scale of 0 to 10) based on a net capital to total assets of 8.3 and a net worth ratio of 8.6.
Other Rating Factors:
A current level of 3.9 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.5). Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.2 has resulted in Good (6.7) profitability.
Asset Mix:
Consumer loans (26%), securities (16%), home mtgs (13%), other (44%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
57 Newton Street
Greenfield, MA 01301
Greenfield, MA 01301
Phone Number
(413) 774-6700
NCUA Charter Number
Website
Largest Competitors
Rockland, MA
Chelsea, MA
Littleton, MA
Lawrence, MA
Hanscom AFB, MA