Side-by-side · Q2 2026 data
F&M Bank and Trust Company vs United Community Credit Union
Metric by metric
| Measure | F&M Bank and Trust Company | United Community Credit Union |
|---|---|---|
| TellerScore | 66 | 84 (stronger) |
| Capital cushion | 52 | 100 (stronger) |
| Loan quality | 72 | 87 (stronger) |
| Earnings | 56 | 62 (stronger) |
| Funding & liquidity | 85 (stronger) | 71 |
| Problem-loan coverage | 87 | 95 (stronger) |
| Peer percentile | 31st | 86th |
| Total assets | $182.4M | $134.1M |
| Deposits / shares | $164.3M | $113.2M |
| Capital ratio | 10.20% | 15.41% (stronger) |
| Problem loans | 0.85% | 0.40% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.38% |
| Return on assets | 0.90% | 1.05% (stronger) |
| Loans ÷ deposits | 75.0% (stronger) | 89.4% |
| Uninsured deposits | 14.2% | 2.3% (stronger) |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
United Community Credit Union has the higher TellerScore (84 vs 66). On the 7 directional measures above (where higher or lower is clearly better), F&M Bank and Trust Company leads on 2 and United Community Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.