Side-by-side · Q2 2026 data
F&M Bank vs Sioux Valley Community Credit Union
Credit union
Sioux Valley Community Credit Union
Sioux City, Iowa · Under $100 million in assets
Metric by metric
| Measure | F&M Bank | Sioux Valley Community Credit Union |
|---|---|---|
| TellerScore | 83 (stronger) | 43 |
| Capital cushion | 68 (stronger) | 54 |
| Loan quality | 98 (stronger) | 12 |
| Earnings | 93 (stronger) | 19 |
| Funding & liquidity | 62 | 87 (stronger) |
| Problem-loan coverage | 99 (stronger) | 67 |
| Peer percentile | 84th | 4th |
| Total assets | $354.6M | $43.6M |
| Deposits / shares | $311.6M | $38.8M |
| Capital ratio | 11.76% (stronger) | 10.44% |
| Problem loans | 0.07% (stronger) | 2.65% |
| Net charge-offs | 0.01% (stronger) | 0.10% |
| Return on assets | 1.83% (stronger) | -0.02% |
| Loans ÷ deposits | 93.9% | 73.6% (stronger) |
| Uninsured deposits | 18.5% | 7.6% (stronger) |
| Offices | 6 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.0% | — |
F&M Bank has the higher TellerScore (83 vs 43). On the 7 directional measures above (where higher or lower is clearly better), F&M Bank leads on 5 and Sioux Valley Community Credit Union on 2. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.