Side-by-side · Q2 2026 data
Farmers & Merchants Bank vs Charlotte Fire Department Credit Union
Credit union
Charlotte Fire Department Credit Union
Charlotte, North Carolina · Under $100 million in assets
Metric by metric
| Measure | Farmers & Merchants Bank | Charlotte Fire Department Credit Union |
|---|---|---|
| TellerScore | 90 (stronger) | 74 |
| Capital cushion | 100 (stronger) | 90 |
| Loan quality | 74 (stronger) | 47 |
| Earnings | 100 (stronger) | 55 |
| Funding & liquidity | 83 | 100 (stronger) |
| Problem-loan coverage | 95 (stronger) | 92 |
| Peer percentile | 95th | 49th |
| Total assets | $998.8M | $56.0M |
| Deposits / shares | $842.6M | $47.8M |
| Capital ratio | 15.25% (stronger) | 14.00% |
| Problem loans | 0.79% (stronger) | 1.59% |
| Net charge-offs | -0.28% (stronger) | 0.00% |
| Return on assets | 2.55% (stronger) | 0.87% |
| Loans ÷ deposits | 63.0% | 39.4% (stronger) |
| Uninsured deposits | 27.7% | 4.0% (stronger) |
| Offices | 12 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.8% | — |
Farmers & Merchants Bank has the higher TellerScore (90 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Farmers & Merchants Bank leads on 5 and Charlotte Fire Department Credit Union on 2. 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.