Side-by-side · Q2 2026 data
Tampa Postal Federal Credit Union vs Franklin-Somerset Federal Credit Union
Metric by metric
| Measure | Tampa Postal Federal Credit Union | Franklin-Somerset Federal Credit Union |
|---|---|---|
| TellerScore | 69 | 81 (stronger) |
| Capital cushion | 60 | 79 (stronger) |
| Loan quality | 93 (stronger) | 75 |
| Earnings | 12 | 68 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 99 (stronger) | 95 |
| Peer percentile | 38th | 80th |
| Total assets | $98.2M | $149.3M |
| Deposits / shares | $90.2M | $129.3M |
| Capital ratio | 11.03% | 12.92% (stronger) |
| Problem loans | 0.21% (stronger) | 0.75% |
| Net charge-offs | 0.62% | 0.40% (stronger) |
| Return on assets | -0.21% | 1.20% (stronger) |
| Loans ÷ deposits | 39.2% (stronger) | 50.6% |
| Uninsured deposits | 2.4% (stronger) | 5.1% |
| Offices | 2 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 21.4% | — |
Franklin-Somerset Federal Credit Union has the higher TellerScore (81 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Tampa Postal 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.