Side-by-side · Q2 2026 data
Franklin Bank & Trust Company vs Service One Credit Union
Credit union
Service One Credit Union
Bowling Green, Kentucky · $100 million – $1 billion
Metric by metric
| Measure | Franklin Bank & Trust Company | Service One Credit Union |
|---|---|---|
| TellerScore | 75 (stronger) | 53 |
| Capital cushion | 85 (stronger) | 45 |
| Loan quality | 64 (stronger) | 53 |
| Earnings | 83 (stronger) | 36 |
| Funding & liquidity | 53 | 77 (stronger) |
| Problem-loan coverage | 87 (stronger) | 78 |
| Peer percentile | 61st | 9th |
| Total assets | $803.6M | $269.1M |
| Deposits / shares | $650.7M | $242.9M |
| Capital ratio | 13.48% (stronger) | 9.51% |
| Problem loans | 1.08% (stronger) | 1.40% |
| Net charge-offs | 0.15% (stronger) | 0.21% |
| Return on assets | 1.57% (stronger) | 0.41% |
| Loans ÷ deposits | 105.0% | 83.5% (stronger) |
| Uninsured deposits | 16.8% | 5.3% (stronger) |
| Offices | 5 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.3% | 12.5% |
Franklin Bank & Trust Company has the higher TellerScore (75 vs 53). On the 7 directional measures above (where higher or lower is clearly better), Franklin Bank & Trust Company leads on 5 and Service One Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.