Side-by-side · Q2 2026 data
Farmers & Merchants Bank vs Day Air Credit Union
Metric by metric
| Measure | Farmers & Merchants Bank | Day Air Credit Union |
|---|---|---|
| TellerScore | 74 | 82 (stronger) |
| Capital cushion | 72 | 96 (stronger) |
| Loan quality | 65 | 68 (stronger) |
| Earnings | 94 (stronger) | 88 |
| Funding & liquidity | 58 | 66 (stronger) |
| Problem-loan coverage | 87 (stronger) | 86 |
| Peer percentile | 57th | 82nd |
| Total assets | $359.4M | $908.8M |
| Deposits / shares | $307.3M | $747.9M |
| Capital ratio | 12.16% | 14.56% (stronger) |
| Problem loans | 1.04% | 0.96% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.73% |
| Return on assets | 1.85% (stronger) | 1.71% |
| Loans ÷ deposits | 92.9% (stronger) | 94.5% |
| Uninsured deposits | 23.4% | 7.1% (stronger) |
| Offices | 5 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 20.5% |
Day Air Credit Union has the higher TellerScore (82 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Farmers & Merchants Bank leads on 3 and Day Air Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.