Side-by-side · Q2 2026 data
Farmers & Merchants Bank & Trust vs N.E.W. Credit Union
Metric by metric
| Measure | Farmers & Merchants Bank & Trust | N.E.W. Credit Union |
|---|---|---|
| TellerScore | 68 | 77 (stronger) |
| Capital cushion | 64 (stronger) | 61 |
| Loan quality | 70 | 88 (stronger) |
| Earnings | 64 | 70 (stronger) |
| Funding & liquidity | 66 | 84 (stronger) |
| Problem-loan coverage | 86 | 96 (stronger) |
| Peer percentile | 37th | 71st |
| Total assets | $175.1M | $178.2M |
| Deposits / shares | $149.4M | $154.3M |
| Capital ratio | 11.36% (stronger) | 11.09% |
| Problem loans | 0.91% | 0.36% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.05% |
| Return on assets | 1.10% | 1.26% (stronger) |
| Loans ÷ deposits | 82.7% | 76.6% (stronger) |
| Uninsured deposits | 25.2% | 4.1% (stronger) |
| Offices | 3 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 1.7% |
N.E.W. Credit Union has the higher TellerScore (77 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Farmers & Merchants Bank & Trust leads on 2 and N.E.W. Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.