Side-by-side · Q2 2026 data
Climate First Bank vs Franklin-Somerset Federal Credit Union
Metric by metric
| Measure | Climate First Bank | Franklin-Somerset Federal Credit Union |
|---|---|---|
| TellerScore | 68 | 81 (stronger) |
| Capital cushion | 47 | 79 (stronger) |
| Loan quality | 96 (stronger) | 75 |
| Earnings | 69 (stronger) | 68 |
| Funding & liquidity | 41 | 100 (stronger) |
| Problem-loan coverage | 98 (stronger) | 95 |
| Peer percentile | 49th | 80th |
| Total assets | $1.9B | $149.3M |
| Deposits / shares | $1.5B | $129.3M |
| Capital ratio | 9.66% | 12.92% (stronger) |
| Problem loans | 0.12% (stronger) | 0.75% |
| Net charge-offs | 0.13% (stronger) | 0.40% |
| Return on assets | 1.22% (stronger) | 1.20% |
| Loans ÷ deposits | 107.2% | 50.6% (stronger) |
| Uninsured deposits | 26.4% | 5.1% (stronger) |
| Offices | 4 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 17.9% | — |
Franklin-Somerset Federal Credit Union has the higher TellerScore (81 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Climate First Bank leads on 3 and Franklin-Somerset Federal Credit Union on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.