Side-by-side · Q2 2026 data
Franklin Bank vs Toledo Fire Fighters Federal Credit Union
Credit union
Toledo Fire Fighters Federal Credit Union
Toledo, Ohio · Under $100 million in assets
Metric by metric
| Measure | Franklin Bank | Toledo Fire Fighters Federal Credit Union |
|---|---|---|
| TellerScore | 72 | 95 (stronger) |
| Capital cushion | 53 | 100 (stronger) |
| Loan quality | 95 (stronger) | 89 |
| Earnings | 47 | 90 (stronger) |
| Funding & liquidity | 90 | 100 (stronger) |
| Problem-loan coverage | 98 | 98 |
| Peer percentile | 50th | 96th |
| Total assets | $334.1M | $45.5M |
| Deposits / shares | $301.3M | $37.4M |
| Capital ratio | 10.28% | 17.84% (stronger) |
| Problem loans | 0.15% (stronger) | 0.34% |
| Net charge-offs | 0.02% (stronger) | 0.58% |
| Return on assets | 0.68% | 1.75% (stronger) |
| Loans ÷ deposits | 70.7% | 50.6% (stronger) |
| Uninsured deposits | 13.7% | 0.2% (stronger) |
| Offices | 6 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Toledo Fire Fighters Federal Credit Union has the higher TellerScore (95 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Franklin Bank leads on 2 and Toledo Fire Fighters 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.