Side-by-side · Q2 2026 data
Farmers and Drovers Bank vs Credit Union of Emporia
Metric by metric
| Measure | Farmers and Drovers Bank | Credit Union of Emporia |
|---|---|---|
| TellerScore | 87 | 90 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 88 (stronger) | 81 |
| Earnings | 77 | 77 |
| Funding & liquidity | 65 | 100 (stronger) |
| Problem-loan coverage | 98 | 98 |
| Peer percentile | 91st | 89th |
| Total assets | $221.9M | $42.1M |
| Deposits / shares | $141.0M | $35.4M |
| Capital ratio | 25.39% (stronger) | 15.31% |
| Problem loans | 0.37% (stronger) | 0.56% |
| Net charge-offs | 0.02% (stronger) | 0.50% |
| Return on assets | 1.41% | 1.44% (stronger) |
| Loans ÷ deposits | 90.7% | 33.9% (stronger) |
| Uninsured deposits | 19.2% | 3.2% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.6% | — |
Credit Union of Emporia has the higher TellerScore (90 vs 87). On the 7 directional measures above (where higher or lower is clearly better), Farmers and Drovers Bank leads on 3 and Credit Union of Emporia on 4. 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.