Side-by-side · Q2 2026 data
F&M Bank vs Telco Triad Community Credit Union
Metric by metric
| Measure | F&M Bank | Telco Triad Community Credit Union |
|---|---|---|
| TellerScore | 83 (stronger) | 74 |
| Capital cushion | 68 | 72 (stronger) |
| Loan quality | 98 (stronger) | 85 |
| Earnings | 93 (stronger) | 51 |
| Funding & liquidity | 62 | 75 (stronger) |
| Problem-loan coverage | 99 (stronger) | 94 |
| Peer percentile | 84th | 63rd |
| Total assets | $354.6M | $160.5M |
| Deposits / shares | $311.6M | $140.5M |
| Capital ratio | 11.76% | 12.21% (stronger) |
| Problem loans | 0.07% (stronger) | 0.45% |
| Net charge-offs | 0.01% (stronger) | 0.24% |
| Return on assets | 1.83% (stronger) | 0.77% |
| Loans ÷ deposits | 93.9% | 85.5% (stronger) |
| Uninsured deposits | 18.5% | 2.8% (stronger) |
| Offices | 6 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.0% | 11.1% |
F&M Bank has the higher TellerScore (83 vs 74). On the 7 directional measures above (where higher or lower is clearly better), F&M Bank leads on 4 and Telco Triad Community Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.