Side-by-side · Q2 2026 data
Farmers and Merchants Bank vs Liberty First Credit Union
Metric by metric
| Measure | Farmers and Merchants Bank | Liberty First Credit Union |
|---|---|---|
| TellerScore | 78 | 86 (stronger) |
| Capital cushion | 56 | 100 (stronger) |
| Loan quality | 100 (stronger) | 74 |
| Earnings | 56 | 90 (stronger) |
| Funding & liquidity | 99 (stronger) | 69 |
| Problem-loan coverage | 100 (stronger) | 92 |
| Peer percentile | 86th | 89th |
| Total assets | $1.1B | $523.4M |
| Deposits / shares | $885.6M | $437.2M |
| Capital ratio | 10.64% | 15.08% (stronger) |
| Problem loans | 0.00% (stronger) | 0.79% |
| Net charge-offs | -0.00% (stronger) | 0.26% |
| Return on assets | 0.89% | 1.75% (stronger) |
| Loans ÷ deposits | 26.2% (stronger) | 91.4% |
| Uninsured deposits | 16.0% | 2.2% (stronger) |
| Offices | 12 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.7% | 13.0% |
Liberty First Credit Union has the higher TellerScore (86 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Farmers and Merchants Bank leads on 3 and Liberty First Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.