Side-by-side · Q2 2026 data
Farmers & Merchants Bank vs Lion'S Share Federal Credit Union
Credit union
Lion'S Share Federal Credit Union
Salisbury, North Carolina · Under $100 million in assets
Metric by metric
| Measure | Farmers & Merchants Bank | Lion'S Share Federal Credit Union |
|---|---|---|
| TellerScore | 90 (stronger) | 32 |
| Capital cushion | 100 (stronger) | 0 |
| Loan quality | 74 (stronger) | 58 |
| Earnings | 100 (stronger) | 13 |
| Funding & liquidity | 83 (stronger) | 75 |
| Problem-loan coverage | 95 (stronger) | 32 |
| Peer percentile | 95th | 1st |
| Total assets | $998.8M | $64.7M |
| Deposits / shares | $842.6M | $62.2M |
| Capital ratio | 15.25% (stronger) | 3.23% |
| Problem loans | 0.79% (stronger) | 1.26% |
| Net charge-offs | -0.28% (stronger) | 2.04% |
| Return on assets | 2.55% (stronger) | -0.17% |
| Loans ÷ deposits | 63.0% (stronger) | 85.6% |
| Uninsured deposits | 27.7% | 11.4% (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 32). On the 7 directional measures above (where higher or lower is clearly better), Farmers & Merchants Bank leads on 6 and Lion'S Share Federal Credit Union on 1. 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.