Credit Union Safety Analysis
Is Franklin Regional Schools Federal Credit Union Safe? Jeannette, Pennsylvania
Based on its Q2 2026 NCUA 5300 call report, Franklin Regional Schools Federal Credit Union has a net worth ratio of 12.66%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.63%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Franklin Regional Schools Federal Credit Union's net worth ratio is 12.66%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 12.66%
- Delinquency ratio (60+ days) (Q2 2026): 0.63%
- Return on assets (Q2 2026): -0.37%
- Loan-to-share ratio (Q2 2026): 74.08%
Franklin Regional Schools Federal Credit Union (NCUA charter 18582, established 1968) reported $3.0M in assets and 375 members for Q2 2026 from Jeannette, Pennsylvania. It ranks 249 of 269 credit unions in Pennsylvania by total assets. Total assets fell 2.6% from $3.1M on June 30, 2025. It has 5 fewer members than on June 30, 2025 (-1.3%). Its net worth ratio was up 1.01 percentage points from 11.65% on June 30, 2025. New vehicle loans are its largest loan category, $841K of $1.9M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.63% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 12.54% for Q1 2026; 11.65% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 0.14% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 0.67% for Q1 2026; -1.32% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 78.27% for Q1 2026; 83.19% for Q2 2025.
Loans by type, Q2 2026
- New vehicle loans: $841K
- Used vehicle loans: $497K
- Unsecured credit card loans: $199K
- Other unsecured loans and lines of credit: $197K
- 1- to 4-family residential and other consumer real estate loans: $156K
- Other secured non-real estate loans and lines of credit: $46K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $3.0M | 12.66% | 0.63% | -0.37% | 74.08% |
| March 31, 2026 | $3.0M | 12.54% | — | 0.67% | 78.27% |
| December 31, 2025 | $3.1M | 12.29% | — | 0.71% | 78.45% |
| September 30, 2025 | $3.1M | 12.17% | — | 1.69% | 84.85% |
| June 30, 2025 | $3.1M | 11.65% | 0.14% | -1.32% | 83.19% |
| March 31, 2025 | $3.1M | 11.79% | — | 1.03% | 80.55% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Franklin Regional Schools Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 18582) · FFIEC NIC profile (RSSD 746885)
Frequently asked questions
Is Franklin Regional Schools Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Franklin Regional Schools Federal Credit Union's net worth ratio is 12.66%, above the 7% NCUA threshold for well capitalized.
Is Franklin Regional Schools Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Franklin Regional Schools Federal Credit Union is a federally insured credit union (NCUA charter 18582): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Franklin Regional Schools Federal Credit Union's key safety ratios?
For Q2 2026, Franklin Regional Schools Federal Credit Union reports net worth 12.66%, delinquency 0.63%, ROA -0.37%, loan-to-share 74.08%.
What happens to my money if Franklin Regional Schools Federal Credit Union fails?
For Q2 2026, Franklin Regional Schools Federal Credit Union held $2.6M in shares and deposits for 375 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.