Franklin Trust Credit Union

Franklin Trust Credit Union is headquartered in Hartford and is the 28^th largest credit union in the state of Connecticut. It is also the 2,507^th largest credit union in the nation. It was established in 1934 and as of December of 2011, it had grown to 15 employees and 6,030 members. Franklin Trust Credit Union has a 2-star health rating.

Franklin Trust Credit Union Money Market Rates

Franklin Trust Credit Union CD Rates

Data for Q4 2011

Institution Statistics FRANKLIN TRUST NCUA # 12 BankRate Report View Year Chartered 1934 Employees 15 Primary Regulator Assets and Liabilities Assets $40.76 million Loans $25.01 million Deposits $37.97 million Equity Capital $2.68 million Loan Loss Allowance $401,000 Unbacked Noncurrent Loans $313,000 Real Estate Owned $940,000 Historic Data - December 2010 Assets $44.69 million Equity Capital $2.67 million Loan Loss Allowance $482,000 Unbacked Noncurrent Loans $471,000 Profit Margin - Quarterly Net Interest Margin 6.1% Return on Assets 0.3% Return on Equity 4.63% Interest Income $1.94 million Non-Interest Income $1.17 million

Institution Health Overall Score: 2 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Franklin Trust Credit Union had $1.25 million in non-current loans and owned real-estate with $3.08 million in equity and loan loss allowances on hand to cover it. This gives Franklin Trust Credit Union a Texas Ratio of 40.72% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Franklin Trust Credit Union increased slightly from 14.94% as of December 31, 2010 to 40.72% as of December 31, 2011, resulting in a negative change of 172.60%. This indicates that the balance sheet and financial strength for Franklin Trust Credit Union has declined slightly in recent periods. Deposit Growth In the past year, Franklin Trust Credit Union has decreased its total deposits by -$4.04 million, resulting in -9.62% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Franklin Trust Credit Union has shown is poor. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Franklin Trust Credit Union has $40.76 million in assets with $3.08 million in equity, resulting in a capitalization level of 7.55%, which is below average.

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