Side-by-side · Q2 2026 data
Farmers and Merchants Bank vs Spirit of America Federal Credit Union
Credit union
Spirit of America Federal Credit Union
Lincoln, Nebraska · Under $100 million in assets
Metric by metric
| Measure | Farmers and Merchants Bank | Spirit of America Federal Credit Union |
|---|---|---|
| TellerScore | 78 | 89 (stronger) |
| Capital cushion | 56 | 79 (stronger) |
| Loan quality | 100 | 100 |
| Earnings | 56 | 78 (stronger) |
| Funding & liquidity | 99 | 100 (stronger) |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 86th | 87th |
| Total assets | $1.1B | $53.2M |
| Deposits / shares | $885.6M | $46.0M |
| Capital ratio | 10.64% | 12.87% (stronger) |
| Problem loans | 0.00% (stronger) | 0.01% |
| Net charge-offs | -0.00% | -0.02% (stronger) |
| Return on assets | 0.89% | 1.45% (stronger) |
| Loans ÷ deposits | 26.2% (stronger) | 41.6% |
| Uninsured deposits | 16.0% | 1.5% (stronger) |
| Offices | 12 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.7% | — |
Spirit of America Federal 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 2 and Spirit of America Federal Credit Union on 5. 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.