Franklin Mint Federal Credit Union Chadds Ford, Pennsylvania
Franklin Mint Federal Credit Union is a federal credit union headquartered in Chadds Ford, PA, established in 1970 (NCUA charter 20042), and it is regulated and insured by the NCUA. At Q2 2026 it reported 165,339 members and total assets of $2.20B (up 15.1% from Q2 2025), the 7th largest of 269 credit unions headquartered in Pennsylvania. Its net worth ratio was 8.66% at Q2 2026, in the well capitalized band.
Also written as Franklin Mint FCU
BankRegReports is independent of Franklin Mint Federal Credit Union and never asks for online banking logins or passwords.
Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 20042
- Headquarters
- Chadds Ford, PA
- Established
- 1970
- Total assets, Q2 2026
- $2.20B
- Assets vs Q2 2025
- +15.1%
- Members, Q2 2026
- 165,339
- Net worth ratio, Q2 2026
- 8.66%
- Latest call report
- Q2 2026, NCUA 5300 · Franklin Mint Federal Credit Union call report
- Asset rank in state
- 7th of 269 in Pennsylvania
- Routing number
- 231382306
- Branches
- 19
It has 16,520 more members than on June 30, 2025 (+11.1%). Its net worth ratio was up 1.19 percentage points from 7.47% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $995.4M of $1.59B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.83% is above the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 8.66% net worth ratio is below that band's 10.89% median.
Credit unions similar in size in Pennsylvania
Credit unions merged into Franklin Mint Federal Credit Union
Benchmark Federal Credit Union (2026) · Wawa Employees Credit Union (2022)
Frequently asked about Franklin Mint Federal Credit Union
How big is Franklin Mint Federal Credit Union?
At Q2 2026 it reported total assets of $2.20B and 165,339 members.
Where is Franklin Mint Federal Credit Union headquartered?
It is headquartered in Chadds Ford, PA, United States.
When was Franklin Mint Federal Credit Union founded?
It was established in 1970, per NCUA records.
Is Franklin Mint Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 20042): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Franklin Mint Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Franklin Mint Federal Credit Union well capitalized?
Its net worth ratio was 8.66% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Franklin Mint Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.83% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Franklin Mint Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 80.01% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Chadds Ford, PA 19317
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1970
- NCUA Charter #
- 20042
- RSSD ID
- 253981
- Members
- 165,339
- Potential members
- 1,325,761
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 454 credit unions with $1B to $10B in assets, as of Q2 2026. It is in the top quartile on 0 of 7 ranked measures and in the bottom quartile on 4.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 8.66% | 10.89% | under 10th bottom |
| Return on assets Middle half of peers: 0.59% to 1.25% | 0.42% | 0.89% | 17th bottom |
| Return on equity Middle half of peers: 5.37% to 10.92% | 5.16% | 8.07% | 24th bottom |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 3.09% | 3.45% | 27th below |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 84.76% | 70.59% | under 10th bottom |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 1.77% | 1.68% | 43rd below |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 0.83% | 0.68% | 40th below |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 4.85% | 5.12% | 34th position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 80.01% | 88.03% | 30th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$2.20B total assets against $1.91B; $1.99B total shares and deposits against $1.72B; $1.59B total loans against $1.39B.
$178.4M net worth against $141.1M.
8.66% net worth ratio against 7.47%.
80.01% loan-to-share ratio against 80.59%.
0.83% delinquency ratio against 0.75%.
0.42% return on assets against 0.24%; 5.16% return on equity against 3.20%.
3.09% net interest margin against 3.06%.
165,339 members against 148,819.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 8.66% | 0.42% | 0.83% | 80.01% |
| March 31, 2026 | 8.86% | 0.34% | 0.57% | 77.63% |
| December 31, 2025 | 7.84% | 0.57% | 0.76% | 81.10% |
| September 30, 2025 | 7.83% | 1.23% | 0.78% | 82.05% |
| June 30, 2025 | 7.47% | 0.24% | 0.75% | 80.59% |
| March 31, 2025 | 7.47% | 0.05% | 0.63% | 80.76% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.