Side-by-side · Q2 2026 data
TCM Bank, National Association vs Franklin-Somerset Federal Credit Union
Metric by metric
| Measure | TCM Bank, National Association | Franklin-Somerset Federal Credit Union |
|---|---|---|
| TellerScore | 57 | 81 (stronger) |
| Capital cushion | 100 (stronger) | 79 |
| Loan quality | 69 | 75 (stronger) |
| Earnings | 0 | 68 (stronger) |
| Funding & liquidity | 6 | 100 (stronger) |
| Problem-loan coverage | 93 | 95 (stronger) |
| Peer percentile | 14th | 80th |
| Total assets | $382.4M | $149.3M |
| Deposits / shares | $279.6M | $129.3M |
| Capital ratio | 18.27% (stronger) | 12.92% |
| Problem loans | 0.93% | 0.75% (stronger) |
| Net charge-offs | 3.74% | 0.40% (stronger) |
| Return on assets | -1.14% | 1.20% (stronger) |
| Loans ÷ deposits | 104.4% | 50.6% (stronger) |
| Uninsured deposits | 82.7% | 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 57). On the 7 directional measures above (where higher or lower is clearly better), TCM Bank, National Association 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.