Side-by-side · Q2 2026 data
First Commonwealth Federal Credit Union vs Franklin Mint Federal Credit Union
Credit union
First Commonwealth Federal Credit Union
Lehigh Valley, Pennsylvania · $1 billion – $10 billion
Credit union
Franklin Mint Federal Credit Union
Chadds Ford, Pennsylvania · $1 billion – $10 billion
Metric by metric
| Measure | First Commonwealth Federal Credit Union | Franklin Mint Federal Credit Union |
|---|---|---|
| TellerScore | 56 | 57 (stronger) |
| Capital cushion | 51 (stronger) | 37 |
| Loan quality | 49 | 72 (stronger) |
| Earnings | 47 (stronger) | 35 |
| Funding & liquidity | 74 | 80 (stronger) |
| Problem-loan coverage | 76 | 85 (stronger) |
| Peer percentile | 15th | 17th |
| Total assets | $1.5B | $2.2B |
| Deposits / shares | $1.3B | $2.0B |
| Capital ratio | 10.12% (stronger) | 8.66% |
| Problem loans | 1.53% | 0.83% (stronger) |
| Net charge-offs | 0.62% | 0.37% (stronger) |
| Return on assets | 0.68% (stronger) | 0.38% |
| Loans ÷ deposits | 86.1% | 80.0% (stronger) |
| Uninsured deposits | 7.7% (stronger) | 10.3% |
| Offices | 12 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 22.2% | — |
Franklin Mint Federal Credit Union has the higher TellerScore (57 vs 56). On the 7 directional measures above (where higher or lower is clearly better), First Commonwealth Federal Credit Union leads on 3 and Franklin Mint Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.