Side-by-side · Q2 2026 data
Farmers & Merchants Bank vs Middletown Area Schools Credit Union
Credit union
Middletown Area Schools Credit Union
Middletown, Ohio · Under $100 million in assets
Metric by metric
| Measure | Farmers & Merchants Bank | Middletown Area Schools Credit Union |
|---|---|---|
| TellerScore | 74 | 84 (stronger) |
| Capital cushion | 72 | 100 (stronger) |
| Loan quality | 65 (stronger) | 64 |
| Earnings | 94 (stronger) | 74 |
| Funding & liquidity | 58 | 93 (stronger) |
| Problem-loan coverage | 87 | 92 (stronger) |
| Peer percentile | 57th | 75th |
| Total assets | $359.4M | $11.3M |
| Deposits / shares | $307.3M | $9.6M |
| Capital ratio | 12.16% | 15.20% (stronger) |
| Problem loans | 1.04% (stronger) | 1.09% |
| Net charge-offs | 0.01% (stronger) | 0.13% |
| Return on assets | 1.85% (stronger) | 1.35% |
| Loans ÷ deposits | 92.9% | 67.3% (stronger) |
| Uninsured deposits | 23.4% | 3.8% (stronger) |
| Offices | 5 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Middletown Area Schools Credit Union has the higher TellerScore (84 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Farmers & Merchants Bank leads on 3 and Middletown Area Schools Credit Union on 4. 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.