Side-by-side · Q2 2026 data
Oxford Federal Credit Union vs Franklin-Somerset Federal Credit Union
Metric by metric
| Measure | Oxford Federal Credit Union | Franklin-Somerset Federal Credit Union |
|---|---|---|
| TellerScore | 91 (stronger) | 81 |
| Capital cushion | 100 (stronger) | 79 |
| Loan quality | 84 (stronger) | 75 |
| Earnings | 84 (stronger) | 68 |
| Funding & liquidity | 89 | 100 (stronger) |
| Problem-loan coverage | 96 (stronger) | 95 |
| Peer percentile | 96th | 80th |
| Total assets | $370.2M | $149.3M |
| Deposits / shares | $307.8M | $129.3M |
| Capital ratio | 16.16% (stronger) | 12.92% |
| Problem loans | 0.48% (stronger) | 0.75% |
| Net charge-offs | 0.19% (stronger) | 0.40% |
| Return on assets | 1.61% (stronger) | 1.20% |
| Loans ÷ deposits | 71.6% | 50.6% (stronger) |
| Uninsured deposits | 6.4% | 5.1% (stronger) |
| Offices | 2 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Oxford Federal Credit Union has the higher TellerScore (91 vs 81). On the 7 directional measures above (where higher or lower is clearly better), Oxford Federal Credit Union leads on 5 and Franklin-Somerset Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.