FRANKLIN FIRST
Federal • Greenfield, Massachusetts • Est. 1958
Quick Facts
- Charter Number
- #12604
- Type
- Federal
- Established
- 1958
- Headquarters
- Greenfield, Massachusetts 01301
- Address
- 57 Newton Street
- Branches
- 4
- ATMs
- 4
- Members
- 7,339
- Membership Type
- Other/Unknown
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Well-capitalized with a healthy net worth ratio and solid financial fundamentals. A reliable institution with good long-term stability.
Financial Overview
Total Assets
Members
7,339 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | FRANKLIN FIRST |
|---|---|
| Total Assets | $86.5M |
| Members | 7,339 |
| Loans Outstanding | $48.6M |
| Shares & Deposits | $77.9M |
| Net Worth | $7.4M |
| Net Worth Ratio | 8.58% |
| Loan-to-Share Ratio | 62.4% |
| Delinquency Rate | 0.76% |
| Net Income | +$1,005,997 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
4 locations · 4 ATMs
57 Newton St
Main Office57 Newton St
Greenfield, MA 01301-3113
COCC AVON
100 Executive Blvd
Southington, CT 06489-1040
COCC WALLINGFORD
4 Tower Dr
Wallingford, CT 06492-5914
57 Newton Street- Vestibule
57 Newton St
Greenfield, MA 01301
Who Can Join FRANKLIN FIRST?
Membership Type: Other/Unknown
Membership eligibility for FRANKLIN FIRST may vary. Contact the credit union directly to confirm qualification requirements.
Contact FRANKLIN FIRST directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Massachusetts RankingsFrequently Asked Questions
Yes. FRANKLIN FIRST is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, FRANKLIN FIRST has 7,339 members and a potential membership field of 70,871 people.
FRANKLIN FIRST's net worth ratio is 8.58% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 8.6%, FRANKLIN FIRST meets this threshold.
FRANKLIN FIRST operates 4 branch locations and has access to 4 ATMs. The main office is located at 57 Newton St, Greenfield, MA 01301-3113.
FRANKLIN FIRST was established in 1958. It is a federal credit union chartered under charter number 12604. The institution has been serving members for 68 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or FRANKLIN FIRST. All financial data is for informational purposes only.