Side-by-side · Q2 2026 data
Waterfall Bank vs Franklin-Somerset Federal Credit Union
Metric by metric
| Measure | Waterfall Bank | Franklin-Somerset Federal Credit Union |
|---|---|---|
| TellerScore | 61 | 81 (stronger) |
| Capital cushion | 76 | 79 (stronger) |
| Loan quality | 99 (stronger) | 75 |
| Earnings | 19 | 68 (stronger) |
| Funding & liquidity | 0 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 95 |
| Peer percentile | 20th | 80th |
| Total assets | $409.9M | $149.3M |
| Deposits / shares | $330.3M | $129.3M |
| Capital ratio | 12.64% | 12.92% (stronger) |
| Problem loans | 0.03% (stronger) | 0.75% |
| Net charge-offs | 0.15% (stronger) | 0.40% |
| Return on assets | -0.03% | 1.20% (stronger) |
| Loans ÷ deposits | 114.1% | 50.6% (stronger) |
| Uninsured deposits | 61.5% | 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 61). On the 7 directional measures above (where higher or lower is clearly better), Waterfall Bank leads on 2 and Franklin-Somerset Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.