Side-by-side · Q2 2026 data
Franklin State Bank & Trust Company vs Richland Parish Schools Federal Credit Union
Credit union
Richland Parish Schools Federal Credit Union
Rayville, Louisiana · Under $100 million in assets
Metric by metric
| Measure | Franklin State Bank & Trust Company | Richland Parish Schools Federal Credit Union |
|---|---|---|
| TellerScore | 75 (stronger) | 74 |
| Capital cushion | 50 | 100 (stronger) |
| Loan quality | 75 (stronger) | 0 |
| Earnings | 100 | 100 |
| Funding & liquidity | 83 | 100 (stronger) |
| Problem-loan coverage | 91 (stronger) | 88 |
| Peer percentile | 61st | 49th |
| Total assets | $224.7M | $619K |
| Deposits / shares | $200.2M | $435K |
| Capital ratio | 10.03% | 29.55% (stronger) |
| Problem loans | 0.76% (stronger) | 6.18% |
| Net charge-offs | 0.34% | -0.31% (stronger) |
| Return on assets | 2.05% | 2.99% (stronger) |
| Loans ÷ deposits | 62.2% | 42.0% (stronger) |
| Uninsured deposits | 28.5% | 0.0% (stronger) |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Franklin State Bank & Trust Company has the higher TellerScore (75 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Franklin State Bank & Trust Company leads on 2 and Richland Parish Schools Federal Credit Union on 5. 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.