Side-by-side · Q2 2026 data
Farmers and Merchants Bank vs Pace Resources Federal Credit Union
Credit union
Pace Resources Federal Credit Union
York, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | Farmers and Merchants Bank | Pace Resources Federal Credit Union |
|---|---|---|
| TellerScore | 72 | 80 (stronger) |
| Capital cushion | 50 | 100 (stronger) |
| Loan quality | 100 (stronger) | 66 |
| Earnings | 59 (stronger) | 43 |
| Funding & liquidity | 72 | 100 (stronger) |
| Problem-loan coverage | 96 | 97 (stronger) |
| Peer percentile | 50th | 65th |
| Total assets | $874.5M | $6.5M |
| Deposits / shares | $725.7M | $5.3M |
| Capital ratio | 9.98% | 17.86% (stronger) |
| Problem loans | 0.00% (stronger) | 1.01% |
| Net charge-offs | -0.02% (stronger) | 0.00% |
| Return on assets | 0.97% (stronger) | 0.58% |
| Loans ÷ deposits | 87.8% | 33.3% (stronger) |
| Uninsured deposits | 14.3% | 0.0% (stronger) |
| Offices | 9 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.9% | — |
Pace Resources Federal Credit Union has the higher TellerScore (80 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Farmers and Merchants Bank leads on 3 and Pace Resources Federal 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.