Side-by-side · Q2 2026 data
Farmers & Merchants Bank of Craig County vs First Care Federal Credit Union
Bank
Farmers & Merchants Bank of Craig County
New Castle, Virginia · Under $100 million in assets
Credit union
First Care Federal Credit Union
Roanoke, Virginia · Under $100 million in assets
Metric by metric
| Measure | Farmers & Merchants Bank of Craig County | First Care Federal Credit Union |
|---|---|---|
| TellerScore | 92 (stronger) | 48 |
| Capital cushion | 100 (stronger) | 33 |
| Loan quality | 100 (stronger) | 56 |
| Earnings | 73 (stronger) | 0 |
| Funding & liquidity | 81 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 90 |
| Peer percentile | 92nd | 7th |
| Total assets | $93.0M | $5.0M |
| Deposits / shares | $76.8M | $4.6M |
| Capital ratio | 16.87% (stronger) | 8.29% |
| Problem loans | 0.00% (stronger) | 1.32% |
| Net charge-offs | 0.00% (stronger) | 11.88% |
| Return on assets | 1.31% (stronger) | -19.19% |
| Loans ÷ deposits | 78.8% | 50.3% (stronger) |
| Uninsured deposits | 10.2% | 0.0% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.6% | — |
Farmers & Merchants Bank of Craig County has the higher TellerScore (92 vs 48). On the 7 directional measures above (where higher or lower is clearly better), Farmers & Merchants Bank of Craig County leads on 5 and First Care Federal Credit Union on 2. 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.