Side-by-side · Q2 2026 data
Family Trust Federal Credit Union vs Founders Federal Credit Union
Credit union
Family Trust Federal Credit Union
Rock Hill, South Carolina · $100 million – $1 billion
Metric by metric
| Measure | Family Trust Federal Credit Union | Founders Federal Credit Union |
|---|---|---|
| TellerScore | 71 | 79 (stronger) |
| Capital cushion | 69 | 86 (stronger) |
| Loan quality | 76 | 77 (stronger) |
| Earnings | 61 | 77 (stronger) |
| Funding & liquidity | 66 | 66 |
| Problem-loan coverage | 90 | 91 (stronger) |
| Peer percentile | 54th | 86th |
| Total assets | $805.4M | $5.2B |
| Deposits / shares | $675.5M | $4.4B |
| Capital ratio | 11.85% | 13.62% (stronger) |
| Problem loans | 0.73% | 0.68% (stronger) |
| Net charge-offs | 0.42% (stronger) | 1.07% |
| Return on assets | 1.04% | 1.43% (stronger) |
| Loans ÷ deposits | 94.6% | 94.2% (stronger) |
| Uninsured deposits | 8.4% (stronger) | 11.4% |
| Offices | 6 | 28 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.6% | 26.2% |
Founders Federal Credit Union has the higher TellerScore (79 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Family Trust Federal Credit Union leads on 2 and Founders Federal Credit Union on 5. 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.