Franklin Trust Federal Credit Union (NCUA charter #12) is based in Hartford, Connecticut. Its Q2 2026 call report shows $70.0M in total assets and $63.4M in member shares and deposits and 1 office.
Franklin Trust Federal Credit Union has a TellerScore of 67 out of 100 (moderate) based on Q2 2026 data — higher than only 34% of its 2,479 credit unions with under $100 million in assets. Among 64 credit unions headquartered in Connecticut, it ranks 38th. Funding & liquidity contributes the most (100/100, 53% loans-to-deposits, 3% uninsured); capital cushion contributes the least (48/100, 9.84%).
TellerScore · Q2 2026
Scorecard
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
From Q2 2025 to Q2 2026, the score rose 2 points (65 → 67), mostly because the earnings component improved by 7 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 66 |
| Q3 2024 | 65 |
| Q4 2024 | 66 |
| Q1 2025 | 72 |
| Q2 2025 | 65 |
| Q3 2025 | 64 |
| Q4 2025 | 63 |
| Q1 2026 | 68 |
| Q2 2026 | 67 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 10.08% |
| Q3 2024 | 10.37% |
| Q4 2024 | 10.35% |
| Q1 2025 | 9.83% |
| Q2 2025 | 9.87% |
| Q3 2025 | 9.99% |
| Q4 2025 | 9.78% |
| Q1 2026 | 9.52% |
| Q2 2026 | 9.84% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.74% |
| Q3 2024 | 0.93% |
| Q4 2024 | 0.86% |
| Q1 2025 | 0.65% |
| Q2 2025 | 0.97% |
| Q3 2025 | 0.99% |
| Q4 2025 | 0.96% |
| Q1 2026 | 0.59% |
| Q2 2026 | 0.88% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.48% |
| Q3 2024 | 0.38% |
| Q4 2024 | 0.57% |
| Q1 2025 | 1.16% |
| Q2 2025 | 0.70% |
| Q3 2025 | 0.47% |
| Q4 2025 | 0.46% |
| Q1 2026 | 0.80% |
| Q2 2026 | 0.88% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 67 | $70.0M | 9.84% | 0.88% | 0.88% | 52.9% |
| Q1 2026 | 68 | $70.6M | 9.52% | 0.59% | 0.80% | 50.7% |
| Q4 2025 | 63 | $67.2M | 9.78% | 0.96% | 0.46% | 54.9% |
| Q3 2025 | 64 | $65.0M | 9.99% | 0.99% | 0.47% | 53.0% |
| Q2 2025 | 65 | $65.8M | 9.87% | 0.97% | 0.70% | 52.2% |
| Q1 2025 | 72 | $65.7M | 9.83% | 0.65% | 1.16% | 52.3% |
| Q4 2024 | 66 | $60.5M | 10.35% | 0.86% | 0.57% | 57.9% |
| Q3 2024 | 65 | $58.7M | 10.37% | 0.93% | 0.38% | 54.0% |
| Q2 2024 | 66 | $60.2M | 10.08% | 0.74% | 0.48% | 50.2% |
2,479 peers · Under $100 million in assets
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).
Similar-size credit unions in Connecticut
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Cornerstone Federal Credit UnionCredit union Fairfield, CT | 77 out of 100, Strong | $68.3M | 10.6% | 0.22% | vs |
| Tobacco Valley Teachers Federal Credit UnionCredit union Enfield, CT | 62 out of 100, Moderate | $72.4M | 9.5% | 0.99% | vs |
| Albright Credit UnionCredit union Bethel, CT | 63 out of 100, Moderate | $73.9M | 11.9% | 2.15% | vs |
| Unity Financial Credit UnionCredit union New Haven, CT | 73 out of 100, Strong | $63.9M | 13.2% | 0.35% | vs |
| Pitney Bowes Employees Federal Credit UnionCredit union Shelton, CT | 76 out of 100, Strong | $57.3M | 20.3% | 1.20% | vs |
| Northwest Hills Credit UnionCredit union Torrington, CT | 75 out of 100, Strong | $57.0M | 9.3% | 0.26% | vs |
Deposit insurance
Is my money safe at Franklin Trust Federal Credit Union?
Yes. Franklin Trust Federal Credit Union is a federally insured credit union (NCUA charter #12). 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 3.1% of shares and deposits ($2.0M) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 9.84%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Franklin Trust Federal Credit Union lists 1 office in 1 city. Most locations:
- Hartford, CT (1)
HMDA 2025
Mortgage lending
In 2025, Franklin Trust Federal Credit Union reported 82 home-loan applications under HMDA (LEI 254900TYE85Q9OTQ5O38): 52 originated ($4,000,000 total), 20 denied, and 9 withdrawn or closed by the applicant. Its denial rate on decided applications was 27.4%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Franklin Trust Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 12
- RSSD ID
- 56678
- Primary regulator
- NCUA
- Established
- 1934
- Headquarters
- 624 Franklin Ave, Hartford, CT 06114
- Employees
- 29
Quick answers
Franklin Trust Federal Credit Union: common questions
Is Franklin Trust Federal Credit Union NCUA insured?
Yes. Franklin Trust Federal Credit Union is a federally insured credit union (NCUA charter #12). 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 Trust Federal Credit Union's TellerScore?
67 out of 100 (Moderate), 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 Trust Federal Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Hartford
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Stafford Savings BankBank Stafford Springs, CT | 95 out of 100, Very strong | $507.0M | 50.6% | 0.56% | vs |
| State Police Credit Union Inc.Credit union Meriden, CT | 91 out of 100, Very strong | $84.0M | 15.1% | 0.06% | vs |
| Ct Firefighters Federal Credit UnionCredit union Hartford, CT | 85 out of 100, Very strong | $34.7M | 11.6% | 0.00% | vs |
| The Torrington Savings BankBank Torrington, CT | 82 out of 100, Strong | $1.0B | 19.0% | 0.14% | vs |
| Kief Protective Mutual Benefit Ass. Credit UnionCredit union Bloomfield, CT | 80 out of 100, Strong | $605K | 22.2% | 0.00% | vs |
| Liberty BankBank Middletown, CT | 79 out of 100, Strong | $9.4B | 13.4% | 0.32% | vs |