Side-by-side · Q2 2026 data
Farmers and Merchants Bank vs East Alabama Community Federal Credit Union
Credit union
East Alabama Community Federal Credit Union
Opelika, Alabama · Under $100 million in assets
Metric by metric
| Measure | Farmers and Merchants Bank | East Alabama Community Federal Credit Union |
|---|---|---|
| TellerScore | 70 | 84 (stronger) |
| Capital cushion | 66 | 92 (stronger) |
| Loan quality | 67 | 100 (stronger) |
| Earnings | 63 (stronger) | 34 |
| Funding & liquidity | 80 | 100 (stronger) |
| Problem-loan coverage | 89 | 100 (stronger) |
| Peer percentile | 43rd | 75th |
| Total assets | $307.6M | $20.8M |
| Deposits / shares | $276.9M | $17.8M |
| Capital ratio | 11.56% | 14.19% (stronger) |
| Problem loans | 0.98% | 0.00% (stronger) |
| Net charge-offs | 0.14% | 0.07% (stronger) |
| Return on assets | 1.08% (stronger) | 0.36% |
| Loans ÷ deposits | 45.6% | 33.4% (stronger) |
| Uninsured deposits | 33.3% | 2.0% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
East Alabama Community Federal Credit Union has the higher TellerScore (84 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Farmers and Merchants Bank leads on 1 and East Alabama Community Federal Credit Union on 6. 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.