Side-by-side · Q2 2026 data
Echelon Bank vs Franklin-Somerset Federal Credit Union
Metric by metric
| Measure | Echelon Bank | Franklin-Somerset Federal Credit Union |
|---|---|---|
| TellerScore | 75 | 81 (stronger) |
| Capital cushion | 100 (stronger) | 79 |
| Loan quality | 100 (stronger) | 75 |
| Earnings | 0 | 68 (stronger) |
| Funding & liquidity | 65 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 95 |
| Peer percentile | 54th | 80th |
| Total assets | $52.2M | $149.3M |
| Deposits / shares | $23.5M | $129.3M |
| Capital ratio | 67.36% (stronger) | 12.92% |
| Problem loans | 0.00% (stronger) | 0.75% |
| Net charge-offs | 0.00% (stronger) | 0.40% |
| Return on assets | -8.19% | 1.20% (stronger) |
| Loans ÷ deposits | 16.0% (stronger) | 50.6% |
| Uninsured deposits | 46.3% | 5.1% (stronger) |
| Offices | 3 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Franklin-Somerset Federal Credit Union has the higher TellerScore (81 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Echelon Bank leads on 4 and Franklin-Somerset Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.