Side-by-side · Q2 2026 data
Farmers & Merchants Bank vs Self-Help Federal Credit Union
Metric by metric
| Measure | Farmers & Merchants Bank | Self-Help Federal Credit Union |
|---|---|---|
| TellerScore | 90 (stronger) | 73 |
| Capital cushion | 100 | 100 |
| Loan quality | 74 (stronger) | 66 |
| Earnings | 100 (stronger) | 35 |
| Funding & liquidity | 83 (stronger) | 70 |
| Problem-loan coverage | 95 (stronger) | 94 |
| Peer percentile | 95th | 70th |
| Total assets | $998.8M | $2.4B |
| Deposits / shares | $842.6M | $1.8B |
| Capital ratio | 15.25% | 25.18% (stronger) |
| Problem loans | 0.79% (stronger) | 1.01% |
| Net charge-offs | -0.28% (stronger) | 0.17% |
| Return on assets | 2.55% (stronger) | 0.37% |
| Loans ÷ deposits | 63.0% (stronger) | 90.7% |
| Uninsured deposits | 27.7% | 10.9% (stronger) |
| Offices | 12 | 17 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.8% | 14.4% |
Farmers & Merchants Bank has the higher TellerScore (90 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Farmers & Merchants Bank leads on 5 and Self-Help Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.