Side-by-side · Q2 2026 data
Farmers & Merchants Bank vs State Employees' Credit Union
Metric by metric
| Measure | Farmers & Merchants Bank | State Employees' Credit Union |
|---|---|---|
| TellerScore | 90 (stronger) | 50 |
| Capital cushion | 100 (stronger) | 51 |
| Loan quality | 74 (stronger) | 21 |
| Earnings | 100 (stronger) | 49 |
| Funding & liquidity | 83 | 88 (stronger) |
| Problem-loan coverage | 95 (stronger) | 69 |
| Peer percentile | 95th | 6th |
| Total assets | $998.8M | $60.0B |
| Deposits / shares | $842.6M | $53.5B |
| Capital ratio | 15.25% (stronger) | 10.12% |
| Problem loans | 0.79% (stronger) | 2.38% |
| Net charge-offs | -0.28% (stronger) | 0.66% |
| Return on assets | 2.55% (stronger) | 0.72% |
| Loans ÷ deposits | 63.0% (stronger) | 72.3% |
| Uninsured deposits | 27.7% | 8.6% (stronger) |
| Offices | 12 | 280 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.8% | — |
Farmers & Merchants Bank has the higher TellerScore (90 vs 50). On the 7 directional measures above (where higher or lower is clearly better), Farmers & Merchants Bank leads on 6 and State Employees' 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.
Where both have branches
- Raleigh, NC
- Salisbury, NC
- Concord, NC
- China Grove, NC
- Granite Quarry, NC
- Kannapolis, NC