Side-by-side · Q2 2026 data
Franklin-Somerset Federal Credit Union vs Trax Federal Credit Union
Metric by metric
| Measure | Franklin-Somerset Federal Credit Union | Trax Federal Credit Union |
|---|---|---|
| TellerScore | 81 (stronger) | 64 |
| Capital cushion | 79 | 80 (stronger) |
| Loan quality | 75 (stronger) | 40 |
| Earnings | 68 (stronger) | 31 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 95 (stronger) | 88 |
| Peer percentile | 80th | 31st |
| Total assets | $149.3M | $485.1M |
| Deposits / shares | $129.3M | $416.4M |
| Capital ratio | 12.92% | 12.98% (stronger) |
| Problem loans | 0.75% (stronger) | 1.80% |
| Net charge-offs | 0.40% (stronger) | 1.79% |
| Return on assets | 1.20% (stronger) | 0.28% |
| Loans ÷ deposits | 50.6% (stronger) | 51.9% |
| Uninsured deposits | 5.1% (stronger) | 11.5% |
| Offices | 6 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 30.0% |
Franklin-Somerset Federal Credit Union has the higher TellerScore (81 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Franklin-Somerset Federal Credit Union leads on 6 and Trax Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.