Side-by-side · Q2 2026 data
Farmers and Mechanics Federal Savings Bank vs Indiana Members Credit Union
Bank
Farmers and Mechanics Federal Savings Bank
Bloomfield, Indiana · $100 million – $1 billion
Metric by metric
| Measure | Farmers and Mechanics Federal Savings Bank | Indiana Members Credit Union |
|---|---|---|
| TellerScore | 54 | 74 (stronger) |
| Capital cushion | 18 | 56 (stronger) |
| Loan quality | 100 (stronger) | 84 |
| Earnings | 10 | 64 (stronger) |
| Funding & liquidity | 99 (stronger) | 90 |
| Problem-loan coverage | 69 | 94 (stronger) |
| Peer percentile | 10th | 72nd |
| Total assets | $113.6M | $3.6B |
| Deposits / shares | $105.8M | $3.1B |
| Capital ratio | 6.79% | 10.56% (stronger) |
| Problem loans | 0.00% (stronger) | 0.49% |
| Net charge-offs | 0.23% (stronger) | 0.40% |
| Return on assets | -0.25% | 1.11% (stronger) |
| Loans ÷ deposits | 61.0% (stronger) | 70.6% |
| Uninsured deposits | 12.5% | 11.5% (stronger) |
| Offices | 3 | 33 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.8% | 14.1% |
Indiana Members Credit Union has the higher TellerScore (74 vs 54). On the 7 directional measures above (where higher or lower is clearly better), Farmers and Mechanics Federal Savings Bank leads on 3 and Indiana Members Credit Union 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.