Side-by-side · Q2 2026 data
Farmers & Merchants Bank & Trust vs Du Pont Employees Credit Union
Metric by metric
| Measure | Farmers & Merchants Bank & Trust | Du Pont Employees Credit Union |
|---|---|---|
| TellerScore | 60 | 84 (stronger) |
| Capital cushion | 57 | 68 (stronger) |
| Loan quality | 45 | 100 (stronger) |
| Earnings | 57 | 77 (stronger) |
| Funding & liquidity | 82 | 87 (stronger) |
| Problem-loan coverage | 78 | 100 (stronger) |
| Peer percentile | 19th | 75th |
| Total assets | $208.2M | $6.8M |
| Deposits / shares | $187.0M | $6.0M |
| Capital ratio | 10.73% | 11.83% (stronger) |
| Problem loans | 1.66% | 0.00% (stronger) |
| Net charge-offs | 0.00% | -0.01% (stronger) |
| Return on assets | 0.91% | 1.44% (stronger) |
| Loans ÷ deposits | 67.8% (stronger) | 73.0% |
| Uninsured deposits | 24.2% | 4.6% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Du Pont Employees Credit Union has the higher TellerScore (84 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Farmers & Merchants Bank & Trust leads on 1 and Du Pont Employees Credit Union on 6. 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.