Side-by-side · Q2 2026 data
Central Maine Federal Credit Union vs Franklin-Somerset Federal Credit Union
Metric by metric
| Measure | Central Maine Federal Credit Union | Franklin-Somerset Federal Credit Union |
|---|---|---|
| TellerScore | 81 | 81 |
| Capital cushion | 97 (stronger) | 79 |
| Loan quality | 78 (stronger) | 75 |
| Earnings | 37 | 68 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 97 (stronger) | 95 |
| Peer percentile | 80th | 80th |
| Total assets | $145.5M | $149.3M |
| Deposits / shares | $124.1M | $129.3M |
| Capital ratio | 14.66% (stronger) | 12.92% |
| Problem loans | 0.66% (stronger) | 0.75% |
| Net charge-offs | 0.10% (stronger) | 0.40% |
| Return on assets | 0.41% | 1.20% (stronger) |
| Loans ÷ deposits | 37.4% (stronger) | 50.6% |
| Uninsured deposits | 9.2% | 5.1% (stronger) |
| Offices | 1 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Central Maine Federal Credit Union leads on 4 and Franklin-Somerset Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.