Side-by-side · Q2 2026 data
Franklin Trust Federal Credit Union vs Unity Financial Credit Union
Credit union
Franklin Trust Federal Credit Union
Hartford, Connecticut · Under $100 million in assets
Metric by metric
| Measure | Franklin Trust Federal Credit Union | Unity Financial Credit Union |
|---|---|---|
| TellerScore | 67 | 73 (stronger) |
| Capital cushion | 48 | 82 (stronger) |
| Loan quality | 71 | 88 (stronger) |
| Earnings | 55 (stronger) | 26 |
| Funding & liquidity | 100 (stronger) | 79 |
| Problem-loan coverage | 91 | 96 (stronger) |
| Peer percentile | 34th | 47th |
| Total assets | $70.0M | $63.9M |
| Deposits / shares | $63.4M | $55.7M |
| Capital ratio | 9.84% | 13.15% (stronger) |
| Problem loans | 0.88% | 0.35% (stronger) |
| Net charge-offs | 1.71% | 0.23% (stronger) |
| Return on assets | 0.88% (stronger) | 0.16% |
| Loans ÷ deposits | 52.9% (stronger) | 80.8% |
| Uninsured deposits | 3.1% | 0.0% (stronger) |
| Offices | 1 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 27.4% | — |
Unity Financial Credit Union has the higher TellerScore (73 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Franklin Trust Federal Credit Union leads on 2 and Unity Financial Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.