Side-by-side · Q2 2026 data
Farmers and Merchants Bank vs The Southern Credit Union
Metric by metric
| Measure | Farmers and Merchants Bank | The Southern Credit Union |
|---|---|---|
| TellerScore | 70 | 76 (stronger) |
| Capital cushion | 66 | 66 |
| Loan quality | 67 | 97 (stronger) |
| Earnings | 63 (stronger) | 37 |
| Funding & liquidity | 80 | 100 (stronger) |
| Problem-loan coverage | 89 | 99 (stronger) |
| Peer percentile | 43rd | 68th |
| Total assets | $307.6M | $560.2M |
| Deposits / shares | $276.9M | $499.1M |
| Capital ratio | 11.56% | 11.60% (stronger) |
| Problem loans | 0.98% | 0.10% (stronger) |
| Net charge-offs | 0.14% (stronger) | 0.15% |
| Return on assets | 1.08% (stronger) | 0.43% |
| Loans ÷ deposits | 45.6% | 42.0% (stronger) |
| Uninsured deposits | 33.3% | 6.3% (stronger) |
| Offices | 3 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Southern Credit Union has the higher TellerScore (76 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Farmers and Merchants Bank leads on 2 and The Southern Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.