Side-by-side · Q2 2026 data
Franklin Trust Federal Credit Union vs Tobacco Valley Teachers Federal Credit Union
Credit union
Franklin Trust Federal Credit Union
Hartford, Connecticut · Under $100 million in assets
Credit union
Tobacco Valley Teachers Federal Credit Union
Enfield, Connecticut · Under $100 million in assets
Metric by metric
| Measure | Franklin Trust Federal Credit Union | Tobacco Valley Teachers Federal Credit Union |
|---|---|---|
| TellerScore | 67 (stronger) | 62 |
| Capital cushion | 48 (stronger) | 45 |
| Loan quality | 71 (stronger) | 67 |
| Earnings | 55 (stronger) | 36 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 91 | 95 (stronger) |
| Peer percentile | 34th | 24th |
| Total assets | $70.0M | $72.4M |
| Deposits / shares | $63.4M | $65.4M |
| Capital ratio | 9.84% (stronger) | 9.49% |
| Problem loans | 0.88% (stronger) | 0.99% |
| Net charge-offs | 1.71% | 0.36% (stronger) |
| Return on assets | 0.88% (stronger) | 0.40% |
| Loans ÷ deposits | 52.9% | 23.8% (stronger) |
| Uninsured deposits | 3.1% (stronger) | 3.2% |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 27.4% | — |
Franklin Trust Federal Credit Union has the higher TellerScore (67 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Franklin Trust Federal Credit Union leads on 5 and Tobacco Valley Teachers Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.