Side-by-side · Q2 2026 data
Franklin-Somerset Federal Credit Union vs City-County Employees Credit Union
Credit union
City-County Employees Credit Union
Clearwater, Florida · Under $100 million in assets
Metric by metric
| Measure | Franklin-Somerset Federal Credit Union | City-County Employees Credit Union |
|---|---|---|
| TellerScore | 81 (stronger) | 62 |
| Capital cushion | 79 (stronger) | 33 |
| Loan quality | 75 | 80 (stronger) |
| Earnings | 68 (stronger) | 46 |
| Funding & liquidity | 100 (stronger) | 93 |
| Problem-loan coverage | 95 (stronger) | 87 |
| Peer percentile | 80th | 24th |
| Total assets | $149.3M | $42.5M |
| Deposits / shares | $129.3M | $39.2M |
| Capital ratio | 12.92% (stronger) | 8.29% |
| Problem loans | 0.75% | 0.59% (stronger) |
| Net charge-offs | 0.40% (stronger) | 0.88% |
| Return on assets | 1.20% (stronger) | 0.65% |
| Loans ÷ deposits | 50.6% (stronger) | 66.8% |
| Uninsured deposits | 5.1% (stronger) | 10.1% |
| Offices | 6 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Franklin-Somerset Federal Credit Union has the higher TellerScore (81 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Franklin-Somerset Federal Credit Union leads on 6 and City-County Employees Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.