Side-by-side · Q2 2026 data
Farmers and Merchants Savings Bank vs Members Community Credit Union
Metric by metric
| Measure | Farmers and Merchants Savings Bank | Members Community Credit Union |
|---|---|---|
| TellerScore | 83 (stronger) | 82 |
| Capital cushion | 86 (stronger) | 75 |
| Loan quality | 100 (stronger) | 92 |
| Earnings | 60 | 68 (stronger) |
| Funding & liquidity | 69 | 86 (stronger) |
| Problem-loan coverage | 100 (stronger) | 98 |
| Peer percentile | 84th | 70th |
| Total assets | $122.5M | $99.2M |
| Deposits / shares | $102.7M | $83.0M |
| Capital ratio | 13.62% (stronger) | 12.48% |
| Problem loans | 0.00% (stronger) | 0.25% |
| Net charge-offs | 0.00% (stronger) | 0.23% |
| Return on assets | 1.00% | 1.21% (stronger) |
| Loans ÷ deposits | 76.4% | 73.8% (stronger) |
| Uninsured deposits | 28.1% | 3.0% (stronger) |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Farmers and Merchants Savings Bank has the higher TellerScore (83 vs 82). On the 7 directional measures above (where higher or lower is clearly better), Farmers and Merchants Savings Bank leads on 4 and Members Community Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.