Side-by-side · Q2 2026 data
Farmers and Merchants Bank vs Nebraska State Employees Credit Union
Credit union
Nebraska State Employees Credit Union
Lincoln, Nebraska · Under $100 million in assets
Metric by metric
| Measure | Farmers and Merchants Bank | Nebraska State Employees Credit Union |
|---|---|---|
| TellerScore | 78 | 89 (stronger) |
| Capital cushion | 56 | 90 (stronger) |
| Loan quality | 100 (stronger) | 96 |
| Earnings | 56 | 63 (stronger) |
| Funding & liquidity | 99 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 99 |
| Peer percentile | 86th | 87th |
| Total assets | $1.1B | $36.8M |
| Deposits / shares | $885.6M | $31.9M |
| Capital ratio | 10.64% | 14.01% (stronger) |
| Problem loans | 0.00% (stronger) | 0.11% |
| Net charge-offs | -0.00% (stronger) | 0.63% |
| Return on assets | 0.89% | 1.07% (stronger) |
| Loans ÷ deposits | 26.2% (stronger) | 37.8% |
| Uninsured deposits | 16.0% | 1.0% (stronger) |
| Offices | 12 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.7% | — |
Nebraska State Employees Credit Union has the higher TellerScore (89 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Farmers and Merchants Bank leads on 3 and Nebraska State Employees Credit Union on 4. 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.