Side-by-side · Q2 2026 data
Farmers and Merchants Bank vs Cen Tex Manufacturing Credit Union
Credit union
Cen Tex Manufacturing Credit Union
Brownwood, Texas · Under $100 million in assets
Metric by metric
| Measure | Farmers and Merchants Bank | Cen Tex Manufacturing Credit Union |
|---|---|---|
| TellerScore | 85 (stronger) | 69 |
| Capital cushion | 70 | 100 (stronger) |
| Loan quality | 100 (stronger) | 27 |
| Earnings | 80 (stronger) | 55 |
| Funding & liquidity | 84 | 84 |
| Problem-loan coverage | 100 (stronger) | 89 |
| Peer percentile | 88th | 38th |
| Total assets | $269.8M | $15.0M |
| Deposits / shares | $232.9M | $11.5M |
| Capital ratio | 11.97% | 22.37% (stronger) |
| Problem loans | 0.00% (stronger) | 2.20% |
| Net charge-offs | 0.33% (stronger) | 0.61% |
| Return on assets | 1.49% (stronger) | 0.86% |
| Loans ÷ deposits | 62.7% (stronger) | 75.9% |
| Uninsured deposits | 27.8% | 0.0% (stronger) |
| Offices | 6 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Farmers and Merchants Bank has the higher TellerScore (85 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Farmers and Merchants Bank leads on 5 and Cen Tex Manufacturing Credit Union on 2. 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.