Side-by-side · Q2 2026 data
Franklin Savings Bank vs Oxford Federal Credit Union
Metric by metric
| Measure | Franklin Savings Bank | Oxford Federal Credit Union |
|---|---|---|
| TellerScore | 72 | 91 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 55 | 84 (stronger) |
| Earnings | 59 | 84 (stronger) |
| Funding & liquidity | 50 | 89 (stronger) |
| Problem-loan coverage | 87 | 96 (stronger) |
| Peer percentile | 50th | 96th |
| Total assets | $786.9M | $370.2M |
| Deposits / shares | $601.1M | $307.8M |
| Capital ratio | 18.79% (stronger) | 16.16% |
| Problem loans | 1.36% | 0.48% (stronger) |
| Net charge-offs | 0.08% (stronger) | 0.19% |
| Return on assets | 0.99% | 1.61% (stronger) |
| Loans ÷ deposits | 111.5% | 71.6% (stronger) |
| Uninsured deposits | 7.6% | 6.4% (stronger) |
| Offices | 6 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Oxford Federal Credit Union has the higher TellerScore (91 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Franklin Savings Bank leads on 2 and Oxford Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.