Side-by-side · Q2 2026 data
Farmers & Merchants Bank of Central California vs Sonoma Federal Credit Union
Metric by metric
| Measure | Farmers & Merchants Bank of Central California | Sonoma Federal Credit Union |
|---|---|---|
| TellerScore | 79 | 83 (stronger) |
| Capital cushion | 67 | 85 (stronger) |
| Loan quality | 96 (stronger) | 79 |
| Earnings | 89 (stronger) | 87 |
| Funding & liquidity | 49 | 77 (stronger) |
| Problem-loan coverage | 98 (stronger) | 92 |
| Peer percentile | 88th | 72nd |
| Total assets | $5.8B | $80.0M |
| Deposits / shares | $5.1B | $69.0M |
| Capital ratio | 11.65% | 13.50% (stronger) |
| Problem loans | 0.13% (stronger) | 0.63% |
| Net charge-offs | 0.01% | 0.00% (stronger) |
| Return on assets | 1.74% (stronger) | 1.67% |
| Loans ÷ deposits | 71.2% (stronger) | 82.2% |
| Uninsured deposits | 51.4% | 16.1% (stronger) |
| Offices | 29 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 34.6% | 42.3% |
Sonoma Federal Credit Union has the higher TellerScore (83 vs 79). On the 7 directional measures above (where higher or lower is clearly better), Farmers & Merchants Bank of Central California leads on 3 and Sonoma Federal 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.