Side-by-side · Q2 2026 data
Farmers and Merchants Bank vs Generations Federal Credit Union
Credit union
Generations Federal Credit Union
LA Porte, Indiana · Under $100 million in assets
Metric by metric
| Measure | Farmers and Merchants Bank | Generations Federal Credit Union |
|---|---|---|
| TellerScore | 71 | 88 (stronger) |
| Capital cushion | 40 | 94 (stronger) |
| Loan quality | 100 (stronger) | 80 |
| Earnings | 80 (stronger) | 79 |
| Funding & liquidity | 52 | 95 (stronger) |
| Problem-loan coverage | 100 (stronger) | 95 |
| Peer percentile | 47th | 85th |
| Total assets | $306.1M | $12.2M |
| Deposits / shares | $279.5M | $10.4M |
| Capital ratio | 9.05% | 14.37% (stronger) |
| Problem loans | 0.00% (stronger) | 0.59% |
| Net charge-offs | 0.01% | -0.02% (stronger) |
| Return on assets | 1.51% (stronger) | 1.47% |
| Loans ÷ deposits | 72.9% | 65.2% (stronger) |
| Uninsured deposits | 46.7% | 0.0% (stronger) |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.3% | — |
Generations 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 2 and Generations Federal Credit Union on 5. 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.