Side-by-side · Q2 2026 data
Century Bank of Florida vs Franklin-Somerset Federal Credit Union
Metric by metric
| Measure | Century Bank of Florida | Franklin-Somerset Federal Credit Union |
|---|---|---|
| TellerScore | 60 | 81 (stronger) |
| Capital cushion | 56 | 79 (stronger) |
| Loan quality | 67 | 75 (stronger) |
| Earnings | 40 | 68 (stronger) |
| Funding & liquidity | 65 | 100 (stronger) |
| Problem-loan coverage | 88 | 95 (stronger) |
| Peer percentile | 19th | 80th |
| Total assets | $101.1M | $149.3M |
| Deposits / shares | $87.0M | $129.3M |
| Capital ratio | 10.56% | 12.92% (stronger) |
| Problem loans | 0.99% | 0.75% (stronger) |
| Net charge-offs | -0.02% (stronger) | 0.40% |
| Return on assets | 0.50% | 1.20% (stronger) |
| Loans ÷ deposits | 69.6% | 50.6% (stronger) |
| Uninsured deposits | 38.1% | 5.1% (stronger) |
| Offices | 1 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Franklin-Somerset Federal Credit Union has the higher TellerScore (81 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Century Bank of Florida leads on 1 and Franklin-Somerset Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.