Side-by-side · Q2 2026 data
Farmers & Merchants Bank & Trust vs Bay Shore Credit Union
Metric by metric
| Measure | Farmers & Merchants Bank & Trust | Bay Shore Credit Union |
|---|---|---|
| TellerScore | 68 | 92 (stronger) |
| Capital cushion | 64 | 100 (stronger) |
| Loan quality | 70 | 91 (stronger) |
| Earnings | 64 | 71 (stronger) |
| Funding & liquidity | 66 | 100 (stronger) |
| Problem-loan coverage | 86 | 99 (stronger) |
| Peer percentile | 37th | 92nd |
| Total assets | $175.1M | $48.2M |
| Deposits / shares | $149.4M | $38.7M |
| Capital ratio | 11.36% | 18.64% (stronger) |
| Problem loans | 0.91% | 0.27% (stronger) |
| Net charge-offs | 0.00% | -0.01% (stronger) |
| Return on assets | 1.10% | 1.27% (stronger) |
| Loans ÷ deposits | 82.7% | 50.4% (stronger) |
| Uninsured deposits | 25.2% | 4.8% (stronger) |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Bay Shore Credit Union has the higher TellerScore (92 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Farmers & Merchants Bank & Trust leads on 0 and Bay Shore Credit Union on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.