Side-by-side · Q2 2026 data
Franklin Savings Bank vs Otis Federal Credit Union
Metric by metric
| Measure | Franklin Savings Bank | Otis Federal Credit Union |
|---|---|---|
| TellerScore | 72 | 80 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 55 (stronger) | 48 |
| Earnings | 59 | 70 (stronger) |
| Funding & liquidity | 50 | 100 (stronger) |
| Problem-loan coverage | 87 | 91 (stronger) |
| Peer percentile | 50th | 78th |
| Total assets | $786.9M | $300.3M |
| Deposits / shares | $601.1M | $250.1M |
| Capital ratio | 18.79% (stronger) | 16.12% |
| Problem loans | 1.36% (stronger) | 1.56% |
| Net charge-offs | 0.08% (stronger) | 0.32% |
| Return on assets | 0.99% | 1.26% (stronger) |
| Loans ÷ deposits | 111.5% | 54.8% (stronger) |
| Uninsured deposits | 7.6% (stronger) | 8.0% |
| Offices | 6 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Otis Federal Credit Union has the higher TellerScore (80 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Franklin Savings Bank leads on 4 and Otis Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Jay, ME