TellerScore

Franklin-Somerset Federal Credit Union (NCUA charter #15159) is based in Madison, Maine. Its Q2 2026 call report shows $149.3M in total assets and $129.3M in member shares and deposits and 6 offices across 2 states.

Franklin-Somerset Federal Credit Union has a TellerScore of 81 out of 100 (strong) based on Q2 2026 data — higher than 80% of its 1,341 credit unions with $100 million – $1 billion. Among 48 credit unions headquartered in Maine, it ranks 9th. Funding & liquidity contributes the most (100/100, 51% loans-to-deposits, 5% uninsured); earnings contributes the least (68/100, 1.20%).

TellerScore · Q2 2026

Scorecard

Capital cushion79/100
Net worth ratio: 12.92%
Loan quality75/100
Loans 60+ days delinquent ÷ total loans: 0.75%
Earnings68/100
Return on assets (annualized): 1.20%
Funding & liquidity100/100
Loans ÷ shares: 50.6% · 5.1% uninsured
Problem-loan coverage95/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.55%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (80 → 81).

TellerScore
767981Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202479
Q3 202480
Q4 202476
Q1 202579
Q2 202580
Q3 202580
Q4 202578
Q1 202680
Q2 202681
Net worth ratio
7.00%9.96%12.92%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.34%
Q3 202412.44%
Q4 202412.57%
Q1 202512.37%
Q2 202512.68%
Q3 202512.78%
Q4 202512.75%
Q1 202612.41%
Q2 202612.92%
Delinquent loans (60+ days)
0.55%0.69%0.83%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.57%
Q3 20240.60%
Q4 20240.83%
Q1 20250.55%
Q2 20250.65%
Q3 20250.64%
Q4 20250.79%
Q1 20260.64%
Q2 20260.75%
Return on assets
0.88%1.04%1.20%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.00%
Q3 20241.09%
Q4 20240.88%
Q1 20250.91%
Q2 20251.09%
Q3 20251.09%
Q4 20250.97%
Q1 20261.16%
Q2 20261.20%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202681$149.3M12.92%0.75%1.20%50.6%
Q1 202680$151.8M12.41%0.64%1.16%48.9%
Q4 202578$144.4M12.75%0.79%0.97%51.8%
Q3 202580$142.2M12.78%0.64%1.09%53.4%
Q2 202580$140.2M12.68%0.65%1.09%54.3%
Q1 202579$140.0M12.37%0.55%0.91%52.7%
Q4 202476$135.3M12.57%0.83%0.88%54.1%
Q3 202480$136.0M12.44%0.60%1.09%53.6%
Q2 202479$133.5M12.34%0.57%1.00%54.6%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio12.92%
69th
Problem loans0.75%
45th
Net charge-offs0.40%
45th
Return on assets1.20%
78th
Loans to deposits50.6%
89th
Uninsured deposits5.1%
59th
Loan-loss reserves0.00%
50th
Texas ratio2.5%
68th

Similar-size credit unions in Maine

InstitutionScoreAssetsCapitalProblem loansCompare
Central Maine Federal Credit UnionCredit union Lewiston, ME81 out of 100, Strong$145.5M14.7%0.66%vs
K V Federal Credit UnionCredit union Augusta, ME84 out of 100, Strong$139.6M12.4%0.13%vs
Lincoln Maine Federal Credit UnionCredit union Lincoln, ME78 out of 100, Strong$162.8M12.1%1.07%vs
Connected Credit UnionCredit union Augusta, ME72 out of 100, Strong$133.9M11.1%0.47%vs
Trademark Federal Credit UnionCredit union Augusta, ME56 out of 100, Moderate$131.6M10.2%2.06%vs
Ksw Federal Credit UnionCredit union Waterville, ME85 out of 100, Very strong$122.2M14.6%1.02%vs

Deposit insurance

Is my money safe at Franklin-Somerset Federal Credit Union?

Yes. Franklin-Somerset Federal Credit Union is a federally insured credit union (NCUA charter #15159). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 5.1% of shares and deposits ($6.6M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 12.92%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

6 locations

Branches

Franklin-Somerset Federal Credit Union lists 6 offices in 6 cities across 2 states. Most locations:

  • Farmington, ME (1)
  • Kingfield, ME (1)
  • Madison, ME (1)
  • Skowhegan, ME (1)
  • Stratton, ME (1)
  • Tampa, FL (1)

All branch addresses and map

Identity & history

Profile

Legal name
Franklin-Somerset Federal Credit Union
Type
Federal credit union
NCUA charter #
15159
RSSD ID
1008683
Primary regulator
NCUA
Established
1962
Headquarters
114 E Madison Rd, Madison, ME 04950
Employees
36

Quick answers

Franklin-Somerset Federal Credit Union: common questions

Is Franklin-Somerset Federal Credit Union NCUA insured?

Yes. Franklin-Somerset Federal Credit Union is a federally insured credit union (NCUA charter #15159). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Franklin-Somerset Federal Credit Union's TellerScore?

81 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Franklin-Somerset Federal Credit Union have?

6 offices as of the latest NCUA data, in 2 states.