Side-by-side · Q2 2026 data
Otis Federal Credit Union vs Franklin-Somerset Federal Credit Union
Metric by metric
| Measure | Otis Federal Credit Union | Franklin-Somerset Federal Credit Union |
|---|---|---|
| TellerScore | 80 | 81 (stronger) |
| Capital cushion | 100 (stronger) | 79 |
| Loan quality | 48 | 75 (stronger) |
| Earnings | 70 (stronger) | 68 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 91 | 95 (stronger) |
| Peer percentile | 78th | 80th |
| Total assets | $300.3M | $149.3M |
| Deposits / shares | $250.1M | $129.3M |
| Capital ratio | 16.12% (stronger) | 12.92% |
| Problem loans | 1.56% | 0.75% (stronger) |
| Net charge-offs | 0.32% (stronger) | 0.40% |
| Return on assets | 1.26% (stronger) | 1.20% |
| Loans ÷ deposits | 54.8% | 50.6% (stronger) |
| Uninsured deposits | 8.0% | 5.1% (stronger) |
| Offices | 1 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Franklin-Somerset Federal Credit Union has the higher TellerScore (81 vs 80). On the 7 directional measures above (where higher or lower is clearly better), Otis Federal Credit Union leads on 3 and Franklin-Somerset Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.