Side-by-side · Q2 2026 data
Farmers & Merchants Bank of North Dakota vs First Community Credit Union
Metric by metric
| Measure | Farmers & Merchants Bank of North Dakota | First Community Credit Union |
|---|---|---|
| TellerScore | 73 (stronger) | 71 |
| Capital cushion | 60 | 73 (stronger) |
| Loan quality | 76 | 80 (stronger) |
| Earnings | 56 (stronger) | 54 |
| Funding & liquidity | 100 (stronger) | 60 |
| Problem-loan coverage | 95 (stronger) | 93 |
| Peer percentile | 53rd | 62nd |
| Total assets | $119.8M | $1.5B |
| Deposits / shares | $106.9M | $1.1B |
| Capital ratio | 10.99% | 12.34% (stronger) |
| Problem loans | 0.73% | 0.61% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.05% |
| Return on assets | 0.89% (stronger) | 0.85% |
| Loans ÷ deposits | 43.6% (stronger) | 100.2% |
| Uninsured deposits | 12.3% | 9.1% (stronger) |
| Offices | 3 | 25 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Farmers & Merchants Bank of North Dakota has the higher TellerScore (73 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Farmers & Merchants Bank of North Dakota leads on 4 and First Community Credit Union on 3. 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.