Side-by-side · Q2 2026 data
Farmers & Merchants Bank & Trust vs Forward Financial Credit Union
Metric by metric
| Measure | Farmers & Merchants Bank & Trust | Forward Financial Credit Union |
|---|---|---|
| TellerScore | 68 | 75 (stronger) |
| Capital cushion | 64 | 85 (stronger) |
| Loan quality | 70 | 74 (stronger) |
| Earnings | 64 (stronger) | 36 |
| Funding & liquidity | 66 | 97 (stronger) |
| Problem-loan coverage | 86 | 93 (stronger) |
| Peer percentile | 37th | 52nd |
| Total assets | $175.1M | $85.9M |
| Deposits / shares | $149.4M | $73.5M |
| Capital ratio | 11.36% | 13.53% (stronger) |
| Problem loans | 0.91% | 0.79% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.15% |
| Return on assets | 1.10% (stronger) | 0.40% |
| Loans ÷ deposits | 82.7% | 63.2% (stronger) |
| Uninsured deposits | 25.2% | 1.2% (stronger) |
| Offices | 3 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Forward Financial Credit Union has the higher TellerScore (75 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Farmers & Merchants Bank & Trust leads on 2 and Forward Financial Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.