Side-by-side · Q2 2026 data
Farmers & Merchants Bank vs Members Trust Federal Credit Union
Metric by metric
| Measure | Farmers & Merchants Bank | Members Trust Federal Credit Union |
|---|---|---|
| TellerScore | 74 | 87 (stronger) |
| Capital cushion | 72 | 100 (stronger) |
| Loan quality | 65 | 98 (stronger) |
| Earnings | 94 (stronger) | 47 |
| Funding & liquidity | 58 | 90 (stronger) |
| Problem-loan coverage | 87 | 100 (stronger) |
| Peer percentile | 57th | 83rd |
| Total assets | $359.4M | $23.4M |
| Deposits / shares | $307.3M | $18.8M |
| Capital ratio | 12.16% | 19.11% (stronger) |
| Problem loans | 1.04% | 0.05% (stronger) |
| Net charge-offs | 0.01% | 0.00% (stronger) |
| Return on assets | 1.85% (stronger) | 0.67% |
| Loans ÷ deposits | 92.9% | 70.0% (stronger) |
| Uninsured deposits | 23.4% | 2.4% (stronger) |
| Offices | 5 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Members Trust Federal Credit Union has the higher TellerScore (87 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Farmers & Merchants Bank leads on 1 and Members Trust Federal Credit Union on 6. 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.