Franklin First
Franklin First is a credit union based in Greenfield, Massachusetts, established in 1958, with $88 million in total assets serving 7,387 members. By Trust Grade it ranks 84th of 122 credit unions we track in Massachusetts. Its net worth ratio of 8.8% trails most similarly sized credit unions (9th percentile), versus a Massachusetts median of 12%. It was profitable over the most recent period, with a 1.14% return on assets. No consumer complaints against Franklin First appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Franklin First compares to Massachusetts peers
How we graded Franklin First
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (8.8% capital ratio)
- Strongly profitable (ROA 1.14%)
- No CFPB complaints on record
The Trust Grade is Bankzia’s independent, documented opinion computed from public FDIC/NCUA/CFPB data — not an official rating, and not a statement about the safety of insured deposits. Report a data error or dispute this grade →
Consumer complaints (CFPB)
No CFPB complaints are on file for Franklin First over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at Franklin First insured?
Yes. Franklin First is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Franklin First: frequently asked questions
Is Franklin First a good credit union?
Franklin First earns a Bankzia Trust Grade of B (86/100, "Strong"), based on a financial-strength score of 86/100 (it has no CFPB complaints on record). Well-capitalized (8.8% capital ratio); Strongly profitable (ROA 1.14%).
Is Franklin First NCUA-insured?
Yes. Franklin First is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is Franklin First?
Franklin First holds $88 million in total assets, ranking 84th of 122 credit unions we track in Massachusetts. It serves 7,387 members.
Does Franklin First have CFPB complaints?
No CFPB complaints against Franklin First appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
