Side-by-side · Q2 2026 data
F&M Bank vs Srp Federal Credit Union
Metric by metric
| Measure | F&M Bank | Srp Federal Credit Union |
|---|---|---|
| TellerScore | 88 (stronger) | 81 |
| Capital cushion | 99 (stronger) | 88 |
| Loan quality | 87 (stronger) | 75 |
| Earnings | 76 (stronger) | 73 |
| Funding & liquidity | 75 | 78 (stronger) |
| Problem-loan coverage | 96 (stronger) | 92 |
| Peer percentile | 92nd | 89th |
| Total assets | $419.9M | $2.1B |
| Deposits / shares | $356.8M | $1.8B |
| Capital ratio | 14.93% (stronger) | 13.79% |
| Problem loans | 0.38% (stronger) | 0.74% |
| Net charge-offs | 0.00% (stronger) | 0.85% |
| Return on assets | 1.40% (stronger) | 1.34% |
| Loans ÷ deposits | 77.3% (stronger) | 81.9% |
| Uninsured deposits | 22.2% | 4.9% (stronger) |
| Offices | 5 | 19 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 16.6% |
F&M Bank has the higher TellerScore (88 vs 81). On the 7 directional measures above (where higher or lower is clearly better), F&M Bank leads on 6 and Srp Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.