Side-by-side · Q2 2026 data
F&M Bank vs United Neighborhood Federal Credit Union
Credit union
United Neighborhood Federal Credit Union
Augusta, Georgia · Under $100 million in assets
Metric by metric
| Measure | F&M Bank | United Neighborhood Federal Credit Union |
|---|---|---|
| TellerScore | 88 (stronger) | 51 |
| Capital cushion | 99 (stronger) | 35 |
| Loan quality | 87 (stronger) | 67 |
| Earnings | 76 (stronger) | 0 |
| Funding & liquidity | 75 | 97 (stronger) |
| Problem-loan coverage | 96 (stronger) | 89 |
| Peer percentile | 92nd | 10th |
| Total assets | $419.9M | $3.0M |
| Deposits / shares | $356.8M | $2.7M |
| Capital ratio | 14.93% (stronger) | 8.50% |
| Problem loans | 0.38% (stronger) | 0.98% |
| Net charge-offs | 0.00% (stronger) | 6.27% |
| Return on assets | 1.40% (stronger) | -5.02% |
| Loans ÷ deposits | 77.3% | 63.1% (stronger) |
| Uninsured deposits | 22.2% | 0.0% (stronger) |
| Offices | 5 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
F&M Bank has the higher TellerScore (88 vs 51). On the 7 directional measures above (where higher or lower is clearly better), F&M Bank leads on 5 and United Neighborhood Federal 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.