Side-by-side · Q2 2026 data
Farmers & Merchants Bank of Central California vs Sacramento Credit Union
Metric by metric
| Measure | Farmers & Merchants Bank of Central California | Sacramento Credit Union |
|---|---|---|
| TellerScore | 79 | 96 (stronger) |
| Capital cushion | 67 | 100 (stronger) |
| Loan quality | 96 | 97 (stronger) |
| Earnings | 89 (stronger) | 88 |
| Funding & liquidity | 49 | 95 (stronger) |
| Problem-loan coverage | 98 | 99 (stronger) |
| Peer percentile | 88th | 99th |
| Total assets | $5.8B | $858.3M |
| Deposits / shares | $5.1B | $722.4M |
| Capital ratio | 11.65% | 15.14% (stronger) |
| Problem loans | 0.13% | 0.09% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.07% |
| Return on assets | 1.74% (stronger) | 1.69% |
| Loans ÷ deposits | 71.2% | 65.5% (stronger) |
| Uninsured deposits | 51.4% | 12.0% (stronger) |
| Offices | 29 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 34.6% | 28.5% |
Sacramento Credit Union has the higher TellerScore (96 vs 79). On the 7 directional measures above (where higher or lower is clearly better), Farmers & Merchants Bank of Central California leads on 2 and Sacramento Credit Union on 5. 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.