Side-by-side · Q2 2026 data
Farmers & Merchants Bank vs Red River Federal Credit Union
Metric by metric
| Measure | Farmers & Merchants Bank | Red River Federal Credit Union |
|---|---|---|
| TellerScore | 79 | 79 |
| Capital cushion | 63 | 71 (stronger) |
| Loan quality | 100 (stronger) | 91 |
| Earnings | 48 | 82 (stronger) |
| Funding & liquidity | 100 (stronger) | 68 |
| Problem-loan coverage | 100 (stronger) | 83 |
| Peer percentile | 63rd | 76th |
| Total assets | $20.5M | $168.4M |
| Deposits / shares | $18.1M | $141.5M |
| Capital ratio | 11.30% | 12.10% (stronger) |
| Problem loans | 0.00% (stronger) | 0.28% |
| Net charge-offs | 0.00% (stronger) | 0.19% |
| Return on assets | 0.71% | 1.55% (stronger) |
| Loans ÷ deposits | 34.8% (stronger) | 92.4% |
| Uninsured deposits | 10.1% | 6.6% (stronger) |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 9.7% |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Farmers & Merchants Bank leads on 3 and Red River Federal Credit Union on 3. 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.