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 Weak overall stability index (2.5 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.4 has resulted in Fair (4.1) profitability.
Other Rating Factors:
Fair liquidity 3.9, driven by a liquidity ratio of 17.8 percent and a “hot money” ratio of 8.3 percent. Fair current capitalization (4.7 on a scale of 0 to 10) based on a net capital to total assets of 7.1 and a net worth ratio of 0.0.
Asset Mix:
Consumer loans (26%), securities (17%), home mtgs (15%), other (42%)
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
Marlborough, MA
Chelsea, MA
Rockland, MA
Littleton, MA
Lowell, MA