Side-by-side · Q2 2026 data
Farmers & Merchants Bank vs Members Credit Union
Credit union
Members Credit Union
Winston Salem, North Carolina · $100 million – $1 billion
Metric by metric
| Measure | Farmers & Merchants Bank | Members Credit Union |
|---|---|---|
| TellerScore | 90 (stronger) | 85 |
| Capital cushion | 100 (stronger) | 98 |
| Loan quality | 74 (stronger) | 73 |
| Earnings | 100 (stronger) | 62 |
| Funding & liquidity | 83 | 100 (stronger) |
| Problem-loan coverage | 95 | 95 |
| Peer percentile | 95th | 87th |
| Total assets | $998.8M | $477.1M |
| Deposits / shares | $842.6M | $404.2M |
| Capital ratio | 15.25% (stronger) | 14.83% |
| Problem loans | 0.79% (stronger) | 0.82% |
| Net charge-offs | -0.28% (stronger) | 1.39% |
| Return on assets | 2.55% (stronger) | 1.06% |
| Loans ÷ deposits | 63.0% | 46.5% (stronger) |
| Uninsured deposits | 27.7% | 3.3% (stronger) |
| Offices | 12 | 16 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.8% | — |
Farmers & Merchants Bank has the higher TellerScore (90 vs 85). On the 7 directional measures above (where higher or lower is clearly better), Farmers & Merchants Bank leads on 5 and Members Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.