Side-by-side · Q2 2026 data
Franklin-Somerset Federal Credit Union vs Ecu Credit Union
Metric by metric
| Measure | Franklin-Somerset Federal Credit Union | Ecu Credit Union |
|---|---|---|
| TellerScore | 81 (stronger) | 79 |
| Capital cushion | 79 | 100 (stronger) |
| Loan quality | 75 | 81 (stronger) |
| Earnings | 68 (stronger) | 19 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 95 | 97 (stronger) |
| Peer percentile | 80th | 62nd |
| Total assets | $149.3M | $34.1M |
| Deposits / shares | $129.3M | $27.8M |
| Capital ratio | 12.92% | 17.44% (stronger) |
| Problem loans | 0.75% | 0.56% (stronger) |
| Net charge-offs | 0.40% | 0.25% (stronger) |
| Return on assets | 1.20% (stronger) | -0.03% |
| Loans ÷ deposits | 50.6% (stronger) | 53.2% |
| Uninsured deposits | 5.1% | 4.0% (stronger) |
| 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 79). On the 7 directional measures above (where higher or lower is clearly better), Franklin-Somerset Federal Credit Union leads on 3 and Ecu Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.