Side-by-side · Q2 2026 data
Farmers and Merchants Bank vs Chattahoochee Federal Credit Union
Credit union
Chattahoochee Federal Credit Union
Valley, Alabama · Under $100 million in assets
Metric by metric
| Measure | Farmers and Merchants Bank | Chattahoochee Federal Credit Union |
|---|---|---|
| TellerScore | 70 | 87 (stronger) |
| Capital cushion | 66 | 100 (stronger) |
| Loan quality | 67 | 83 (stronger) |
| Earnings | 63 | 73 (stronger) |
| Funding & liquidity | 80 | 83 (stronger) |
| Problem-loan coverage | 89 | 96 (stronger) |
| Peer percentile | 43rd | 83rd |
| Total assets | $307.6M | $23.4M |
| Deposits / shares | $276.9M | $20.2M |
| Capital ratio | 11.56% | 15.01% (stronger) |
| Problem loans | 0.98% | 0.51% (stronger) |
| Net charge-offs | 0.14% (stronger) | 0.35% |
| Return on assets | 1.08% | 1.33% (stronger) |
| Loans ÷ deposits | 45.6% (stronger) | 77.2% |
| Uninsured deposits | 33.3% | 0.0% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Chattahoochee Federal Credit Union has the higher TellerScore (87 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Farmers and Merchants Bank leads on 2 and Chattahoochee 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.