Side-by-side · Q2 2026 data
Farmers & Merchants Bank vs Skyla Federal Credit Union
Credit union
Skyla Federal Credit Union
Charlotte, North Carolina · $1 billion – $10 billion
Metric by metric
| Measure | Farmers & Merchants Bank | Skyla Federal Credit Union |
|---|---|---|
| TellerScore | 90 (stronger) | 54 |
| Capital cushion | 100 (stronger) | 46 |
| Loan quality | 74 (stronger) | 56 |
| Earnings | 100 (stronger) | 42 |
| Funding & liquidity | 83 (stronger) | 67 |
| Problem-loan coverage | 95 (stronger) | 78 |
| Peer percentile | 95th | 11th |
| Total assets | $998.8M | $1.7B |
| Deposits / shares | $842.6M | $1.4B |
| Capital ratio | 15.25% (stronger) | 9.61% |
| Problem loans | 0.79% (stronger) | 1.32% |
| Net charge-offs | -0.28% (stronger) | 0.79% |
| Return on assets | 2.55% (stronger) | 0.56% |
| Loans ÷ deposits | 63.0% (stronger) | 93.0% |
| Uninsured deposits | 27.7% | 7.8% (stronger) |
| Offices | 12 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.8% | 41.1% |
Farmers & Merchants Bank has the higher TellerScore (90 vs 54). On the 7 directional measures above (where higher or lower is clearly better), Farmers & Merchants Bank leads on 6 and Skyla Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.