Side-by-side · Q2 2026 data
Tampa Bay Federal Credit Union vs Franklin-Somerset Federal Credit Union
Metric by metric
| Measure | Tampa Bay Federal Credit Union | Franklin-Somerset Federal Credit Union |
|---|---|---|
| TellerScore | 52 | 81 (stronger) |
| Capital cushion | 55 | 79 (stronger) |
| Loan quality | 41 | 75 (stronger) |
| Earnings | 39 | 68 (stronger) |
| Funding & liquidity | 67 | 100 (stronger) |
| Problem-loan coverage | 72 | 95 (stronger) |
| Peer percentile | 8th | 80th |
| Total assets | $493.9M | $149.3M |
| Deposits / shares | $418.0M | $129.3M |
| Capital ratio | 10.49% | 12.92% (stronger) |
| Problem loans | 1.78% | 0.75% (stronger) |
| Net charge-offs | 0.98% | 0.40% (stronger) |
| Return on assets | 0.47% | 1.20% (stronger) |
| Loans ÷ deposits | 93.3% | 50.6% (stronger) |
| Uninsured deposits | 4.3% (stronger) | 5.1% |
| Offices | 4 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.3% | — |
Franklin-Somerset Federal Credit Union has the higher TellerScore (81 vs 52). On the 7 directional measures above (where higher or lower is clearly better), Tampa Bay Federal Credit Union leads on 1 and Franklin-Somerset Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.