Side-by-side · Q2 2026 data
Farmers and Merchants Bank vs Fortress Federal Credit Union
Metric by metric
| Measure | Farmers and Merchants Bank | Fortress Federal Credit Union |
|---|---|---|
| TellerScore | 71 | 88 (stronger) |
| Capital cushion | 40 | 100 (stronger) |
| Loan quality | 100 (stronger) | 97 |
| Earnings | 80 (stronger) | 48 |
| Funding & liquidity | 52 | 96 (stronger) |
| Problem-loan coverage | 100 (stronger) | 99 |
| Peer percentile | 47th | 85th |
| Total assets | $306.1M | $22.3M |
| Deposits / shares | $279.5M | $18.3M |
| Capital ratio | 9.05% | 17.59% (stronger) |
| Problem loans | 0.00% (stronger) | 0.08% |
| Net charge-offs | 0.01% (stronger) | 0.37% |
| Return on assets | 1.51% (stronger) | 0.69% |
| Loans ÷ deposits | 72.9% | 63.9% (stronger) |
| Uninsured deposits | 46.7% | 2.1% (stronger) |
| Offices | 4 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.3% | — |
Fortress Federal Credit Union has the higher TellerScore (88 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Farmers and Merchants Bank leads on 3 and Fortress Federal Credit Union on 4. 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.