Side-by-side · Q2 2026 data
Farmers & Merchants Bank vs Dupont Community Credit Union
Metric by metric
| Measure | Farmers & Merchants Bank | Dupont Community Credit Union |
|---|---|---|
| TellerScore | 70 | 76 (stronger) |
| Capital cushion | 41 | 59 (stronger) |
| Loan quality | 86 | 89 (stronger) |
| Earnings | 70 (stronger) | 60 |
| Funding & liquidity | 88 | 96 (stronger) |
| Problem-loan coverage | 94 | 97 (stronger) |
| Peer percentile | 58th | 79th |
| Total assets | $1.4B | $2.1B |
| Deposits / shares | $1.3B | $1.9B |
| Capital ratio | 9.10% | 10.91% (stronger) |
| Problem loans | 0.43% | 0.33% (stronger) |
| Net charge-offs | 0.07% (stronger) | 0.28% |
| Return on assets | 1.24% (stronger) | 1.01% |
| Loans ÷ deposits | 72.6% | 64.4% (stronger) |
| Uninsured deposits | 14.1% | 8.1% (stronger) |
| Offices | 16 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.6% | — |
Dupont Community Credit Union has the higher TellerScore (76 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Farmers & Merchants Bank leads on 2 and Dupont Community Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Waynesboro, VA
- Harrisonburg, VA
- Staunton, VA
- Stuarts Draft, VA
- Woodstock, VA