Side-by-side · Q2 2026 data
Franklin Bank vs Jersey Shore Federal Credit Union
Credit union
Jersey Shore Federal Credit Union
Northfield, New Jersey · $100 million – $1 billion
Metric by metric
| Measure | Franklin Bank | Jersey Shore Federal Credit Union |
|---|---|---|
| TellerScore | 72 | 73 (stronger) |
| Capital cushion | 53 (stronger) | 48 |
| Loan quality | 95 (stronger) | 90 |
| Earnings | 47 | 58 (stronger) |
| Funding & liquidity | 90 | 100 (stronger) |
| Problem-loan coverage | 98 (stronger) | 97 |
| Peer percentile | 50th | 60th |
| Total assets | $334.1M | $246.3M |
| Deposits / shares | $301.3M | $227.0M |
| Capital ratio | 10.28% (stronger) | 9.76% |
| Problem loans | 0.15% (stronger) | 0.29% |
| Net charge-offs | 0.02% (stronger) | 0.14% |
| Return on assets | 0.68% | 0.96% (stronger) |
| Loans ÷ deposits | 70.7% | 57.3% (stronger) |
| Uninsured deposits | 13.7% | 6.8% (stronger) |
| Offices | 6 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Jersey Shore Federal Credit Union has the higher TellerScore (73 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Franklin Bank leads on 3 and Jersey Shore Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.