Side-by-side · Q2 2026 data
Farmers & Merchants Bank of Craig County vs Freedom First Federal Credit Union
Bank
Farmers & Merchants Bank of Craig County
New Castle, Virginia · Under $100 million in assets
Metric by metric
| Measure | Farmers & Merchants Bank of Craig County | Freedom First Federal Credit Union |
|---|---|---|
| TellerScore | 92 (stronger) | 64 |
| Capital cushion | 100 (stronger) | 59 |
| Loan quality | 100 (stronger) | 84 |
| Earnings | 73 (stronger) | 42 |
| Funding & liquidity | 81 (stronger) | 50 |
| Problem-loan coverage | 100 (stronger) | 91 |
| Peer percentile | 92nd | 36th |
| Total assets | $93.0M | $1.3B |
| Deposits / shares | $76.8M | $1.0B |
| Capital ratio | 16.87% (stronger) | 10.89% |
| Problem loans | 0.00% (stronger) | 0.48% |
| Net charge-offs | 0.00% (stronger) | 0.16% |
| Return on assets | 1.31% (stronger) | 0.55% |
| Loans ÷ deposits | 78.8% (stronger) | 106.5% |
| Uninsured deposits | 10.2% (stronger) | 18.3% |
| Offices | 1 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.6% | 15.2% |
Farmers & Merchants Bank of Craig County has the higher TellerScore (92 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Farmers & Merchants Bank of Craig County leads on 7 and Freedom First Federal Credit Union on 0. 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.