Side-by-side · Q2 2026 data
Flagship Bank vs Franklin-Somerset Federal Credit Union
Metric by metric
| Measure | Flagship Bank | Franklin-Somerset Federal Credit Union |
|---|---|---|
| TellerScore | 72 | 81 (stronger) |
| Capital cushion | 67 | 79 (stronger) |
| Loan quality | 99 (stronger) | 75 |
| Earnings | 59 | 68 (stronger) |
| Funding & liquidity | 34 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 95 |
| Peer percentile | 50th | 80th |
| Total assets | $802.8M | $149.3M |
| Deposits / shares | $670.4M | $129.3M |
| Capital ratio | 11.69% | 12.92% (stronger) |
| Problem loans | 0.02% (stronger) | 0.75% |
| Net charge-offs | 0.01% (stronger) | 0.40% |
| Return on assets | 0.96% | 1.20% (stronger) |
| Loans ÷ deposits | 93.1% | 50.6% (stronger) |
| Uninsured deposits | 45.3% | 5.1% (stronger) |
| Offices | 6 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 15.8% | — |
Franklin-Somerset Federal Credit Union has the higher TellerScore (81 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Flagship Bank leads on 2 and Franklin-Somerset 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.