Side-by-side · Q2 2026 data
Franklin-Somerset Federal Credit Union vs Transport Credit Union
Metric by metric
| Measure | Franklin-Somerset Federal Credit Union | Transport Credit Union |
|---|---|---|
| TellerScore | 81 | 85 (stronger) |
| Capital cushion | 79 | 100 (stronger) |
| Loan quality | 75 | 83 (stronger) |
| Earnings | 68 (stronger) | 65 |
| Funding & liquidity | 100 (stronger) | 75 |
| Problem-loan coverage | 95 | 96 (stronger) |
| Peer percentile | 80th | 77th |
| Total assets | $149.3M | $35.8M |
| Deposits / shares | $129.3M | $28.8M |
| Capital ratio | 12.92% | 18.56% (stronger) |
| Problem loans | 0.75% | 0.52% (stronger) |
| Net charge-offs | 0.40% | 0.37% (stronger) |
| Return on assets | 1.20% (stronger) | 1.12% |
| Loans ÷ deposits | 50.6% (stronger) | 85.3% |
| Uninsured deposits | 5.1% | 0.0% (stronger) |
| Offices | 6 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Transport Credit Union has the higher TellerScore (85 vs 81). On the 7 directional measures above (where higher or lower is clearly better), Franklin-Somerset Federal Credit Union leads on 2 and Transport Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.