Side-by-side · Q2 2026 data
Farmers and Merchants Bank vs F a a Federal Credit Union
Metric by metric
| Measure | Farmers and Merchants Bank | F a a Federal Credit Union |
|---|---|---|
| TellerScore | 77 | 91 (stronger) |
| Capital cushion | 92 | 100 (stronger) |
| Loan quality | 44 | 71 (stronger) |
| Earnings | 91 | 91 |
| Funding & liquidity | 78 | 100 (stronger) |
| Problem-loan coverage | 85 | 97 (stronger) |
| Peer percentile | 68th | 96th |
| Total assets | $565.8M | $131.1M |
| Deposits / shares | $481.2M | $107.2M |
| Capital ratio | 14.19% | 18.64% (stronger) |
| Problem loans | 1.69% | 0.87% (stronger) |
| Net charge-offs | 0.17% | 0.08% (stronger) |
| Return on assets | 1.78% (stronger) | 1.77% |
| Loans ÷ deposits | 71.8% | 41.1% (stronger) |
| Uninsured deposits | 24.6% | 4.1% (stronger) |
| Offices | 11 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
F a a Federal Credit Union has the higher TellerScore (91 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Farmers and Merchants Bank leads on 1 and F a a Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.