Side-by-side · Q2 2026 data
Farmers & Merchants Bank of Central California vs Valley First Federal Credit Union
Metric by metric
| Measure | Farmers & Merchants Bank of Central California | Valley First Federal Credit Union |
|---|---|---|
| TellerScore | 79 (stronger) | 62 |
| Capital cushion | 67 (stronger) | 48 |
| Loan quality | 96 (stronger) | 76 |
| Earnings | 89 (stronger) | 43 |
| Funding & liquidity | 49 | 71 (stronger) |
| Problem-loan coverage | 98 (stronger) | 89 |
| Peer percentile | 88th | 30th |
| Total assets | $5.8B | $1.1B |
| Deposits / shares | $5.1B | $925.8M |
| Capital ratio | 11.65% (stronger) | 9.81% |
| Problem loans | 0.13% (stronger) | 0.71% |
| Net charge-offs | 0.01% (stronger) | 1.07% |
| Return on assets | 1.74% (stronger) | 0.57% |
| Loans ÷ deposits | 71.2% (stronger) | 89.7% |
| Uninsured deposits | 51.4% | 5.6% (stronger) |
| Offices | 29 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 34.6% | — |
Farmers & Merchants Bank of Central California has the higher TellerScore (79 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Farmers & Merchants Bank of Central California leads on 6 and Valley First Federal Credit Union on 1. 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.