Side-by-side · Q2 2026 data
Farmers & Merchants State Bank vs Mississippi Public Employees Federal Credit Union
Credit union
Mississippi Public Employees Federal Credit Union
Jackson, Mississippi · Under $100 million in assets
Metric by metric
| Measure | Farmers & Merchants State Bank | Mississippi Public Employees Federal Credit Union |
|---|---|---|
| TellerScore | 72 | 97 (stronger) |
| Capital cushion | 61 | 100 (stronger) |
| Loan quality | 100 (stronger) | 97 |
| Earnings | 57 | 90 (stronger) |
| Funding & liquidity | 50 | 100 (stronger) |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 50th | 98th |
| Total assets | $245.6M | $29.2M |
| Deposits / shares | $183.0M | $24.3M |
| Capital ratio | 11.13% | 18.15% (stronger) |
| Problem loans | 0.00% (stronger) | 0.10% |
| Net charge-offs | -0.01% (stronger) | 0.13% |
| Return on assets | 0.92% | 1.75% (stronger) |
| Loans ÷ deposits | 115.7% | 31.8% (stronger) |
| Uninsured deposits | 15.1% | 0.0% (stronger) |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.1% | — |
Mississippi Public Employees Federal Credit Union has the higher TellerScore (97 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Farmers & Merchants State Bank leads on 2 and Mississippi Public Employees Federal Credit Union on 5. 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.