Side-by-side · Q2 2026 data
Farmers and Merchants Bank vs Aod Federal Credit Union
Metric by metric
| Measure | Farmers and Merchants Bank | Aod Federal Credit Union |
|---|---|---|
| TellerScore | 75 | 89 (stronger) |
| Capital cushion | 77 | 100 (stronger) |
| Loan quality | 74 | 82 (stronger) |
| Earnings | 54 | 72 (stronger) |
| Funding & liquidity | 89 | 96 (stronger) |
| Problem-loan coverage | 93 | 97 (stronger) |
| Peer percentile | 61st | 94th |
| Total assets | $308.7M | $466.7M |
| Deposits / shares | $268.6M | $395.2M |
| Capital ratio | 12.73% | 16.36% (stronger) |
| Problem loans | 0.78% | 0.53% (stronger) |
| Net charge-offs | 0.10% (stronger) | 0.58% |
| Return on assets | 0.85% | 1.30% (stronger) |
| Loans ÷ deposits | 56.3% (stronger) | 63.9% |
| Uninsured deposits | 25.6% | 4.6% (stronger) |
| Offices | 5 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | 10.6% |
Aod Federal Credit Union has the higher TellerScore (89 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Farmers and Merchants Bank leads on 2 and Aod Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.