Side-by-side · Q2 2026 data
Franklin-Somerset Federal Credit Union vs Usf Federal Credit Union
Metric by metric
| Measure | Franklin-Somerset Federal Credit Union | Usf Federal Credit Union |
|---|---|---|
| TellerScore | 81 (stronger) | 60 |
| Capital cushion | 79 (stronger) | 56 |
| Loan quality | 75 (stronger) | 74 |
| Earnings | 68 (stronger) | 34 |
| Funding & liquidity | 100 (stronger) | 59 |
| Problem-loan coverage | 95 (stronger) | 87 |
| Peer percentile | 80th | 25th |
| Total assets | $149.3M | $1.4B |
| Deposits / shares | $129.3M | $1.2B |
| Capital ratio | 12.92% (stronger) | 10.62% |
| Problem loans | 0.75% (stronger) | 0.77% |
| Net charge-offs | 0.40% (stronger) | 0.90% |
| Return on assets | 1.20% (stronger) | 0.36% |
| Loans ÷ deposits | 50.6% (stronger) | 101.1% |
| Uninsured deposits | 5.1% (stronger) | 10.7% |
| Offices | 6 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 37.5% |
Franklin-Somerset Federal Credit Union has the higher TellerScore (81 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Franklin-Somerset Federal Credit Union leads on 7 and Usf Federal Credit Union on 0. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.