Side-by-side · Q2 2026 data
Farmers and Merchants Bank vs Chem Family Credit Union
Metric by metric
| Measure | Farmers and Merchants Bank | Chem Family Credit Union |
|---|---|---|
| TellerScore | 75 | 88 (stronger) |
| Capital cushion | 77 | 100 (stronger) |
| Loan quality | 74 | 100 (stronger) |
| Earnings | 54 (stronger) | 39 |
| Funding & liquidity | 89 | 100 (stronger) |
| Problem-loan coverage | 93 | 100 (stronger) |
| Peer percentile | 61st | 85th |
| Total assets | $308.7M | $4.1M |
| Deposits / shares | $268.6M | $2.9M |
| Capital ratio | 12.73% | 28.15% (stronger) |
| Problem loans | 0.78% | 0.00% (stronger) |
| Net charge-offs | 0.10% | 0.00% (stronger) |
| Return on assets | 0.85% (stronger) | 0.47% |
| Loans ÷ deposits | 56.3% | 41.7% (stronger) |
| Uninsured deposits | 25.6% | 0.0% (stronger) |
| Offices | 5 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | — |
Chem Family Credit Union has the higher TellerScore (88 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Farmers and Merchants Bank leads on 1 and Chem Family Credit Union on 6. 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.