FRANKLIN FIRST Credit Union Profile

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FRANKLIN FIRST

Charter #12604 | NCUA Region 1 | FCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (413) 774-6700

Fax: (413) 774-5014

Founding Date: N/A

Website: http://www.franklinfirst.org

Personnel & Operations

President: LaPierre, Richard

Manager: Dwyer, Michelle

FT Employees: 17

PT Employees: 2

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 00

Branches: 1

Hours: Monday - Friday 9:00 a.m. - 5:00 p.m. Thur

Credit Union Profile Summary

FRANKLIN FIRST is a FCU Credit Union. With a total of 7,351 members [1], this institution manages approximately $84,826,457 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 8.16% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 1.20% [1].

Financial Snapshot

Total Assets [1]
$84,826,457

Total economic resources.

Total Loans [1]
$46,672,355

Total value of outstanding loans.

Total Deposits [1]
$76,761,734

Total funds deposited by members.

Members [1]
7,351

Number of active members.

Performance Ratios

Net Worth Ratio [1]
8.16%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
0.79%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
60.80%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
-1.28%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
1.20%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
-0.15%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

57 Newton St

Greenfield, MA, 01301-3113

Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

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Branch Locations

Found 1 branches reported by FRANKLIN FIRST (Charter #12604).

Main Office

57 Newton St Main Office

Type: Corporate Office

57 Newton St

Greenfield, MA 01301-3113

Phone: (413) 774-6700

Services: Member Services, ATM, Drive-Thru

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