Side-by-side · Q2 2026 data
Farmers and Merchants Bank vs Sca Federal Credit Union
Credit union
Sca Federal Credit Union
New Castle, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | Farmers and Merchants Bank | Sca Federal Credit Union |
|---|---|---|
| TellerScore | 71 | 94 (stronger) |
| Capital cushion | 40 | 100 (stronger) |
| Loan quality | 100 (stronger) | 97 |
| Earnings | 80 (stronger) | 73 |
| Funding & liquidity | 52 | 100 (stronger) |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 47th | 95th |
| Total assets | $306.1M | $17.4M |
| Deposits / shares | $279.5M | $14.2M |
| Capital ratio | 9.05% | 19.67% (stronger) |
| Problem loans | 0.00% (stronger) | 0.09% |
| Net charge-offs | 0.01% | 0.00% (stronger) |
| Return on assets | 1.51% (stronger) | 1.34% |
| Loans ÷ deposits | 72.9% | 49.1% (stronger) |
| Uninsured deposits | 46.7% | 1.9% (stronger) |
| Offices | 4 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.3% | — |
Sca Federal Credit Union has the higher TellerScore (94 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Farmers and Merchants Bank leads on 2 and Sca 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.