Side-by-side · Q2 2026 data
Farmers and Merchants Bank vs Sheboygan Area Credit Union
Credit union
Sheboygan Area Credit Union
Sheboygan, Wisconsin · Under $100 million in assets
Metric by metric
| Measure | Farmers and Merchants Bank | Sheboygan Area Credit Union |
|---|---|---|
| TellerScore | 71 | 97 (stronger) |
| Capital cushion | 40 | 100 (stronger) |
| Loan quality | 100 (stronger) | 96 |
| Earnings | 80 | 96 (stronger) |
| Funding & liquidity | 52 | 92 (stronger) |
| Problem-loan coverage | 100 (stronger) | 99 |
| Peer percentile | 47th | 98th |
| Total assets | $306.1M | $93.4M |
| Deposits / shares | $279.5M | $78.1M |
| Capital ratio | 9.05% | 15.26% (stronger) |
| Problem loans | 0.00% (stronger) | 0.13% |
| Net charge-offs | 0.01% (stronger) | 0.01% |
| Return on assets | 1.51% | 1.90% (stronger) |
| Loans ÷ deposits | 72.9% | 67.9% (stronger) |
| Uninsured deposits | 46.7% | 2.3% (stronger) |
| Offices | 4 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.3% | 7.6% |
Sheboygan Area Credit Union has the higher TellerScore (97 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Farmers and Merchants Bank leads on 2 and Sheboygan Area Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.