Side-by-side · Q2 2026 data
Farmers and Merchants State Bank vs Journey Credit Union
Metric by metric
| Measure | Farmers and Merchants State Bank | Journey Credit Union |
|---|---|---|
| TellerScore | 78 | 85 (stronger) |
| Capital cushion | 57 | 100 (stronger) |
| Loan quality | 100 (stronger) | 63 |
| Earnings | 68 | 82 (stronger) |
| Funding & liquidity | 80 | 90 (stronger) |
| Problem-loan coverage | 100 (stronger) | 92 |
| Peer percentile | 72nd | 77th |
| Total assets | $271.7M | $97.6M |
| Deposits / shares | $241.1M | $80.4M |
| Capital ratio | 10.68% | 16.86% (stronger) |
| Problem loans | 0.00% (stronger) | 1.11% |
| Net charge-offs | 0.03% (stronger) | 0.64% |
| Return on assets | 1.20% | 1.56% (stronger) |
| Loans ÷ deposits | 68.2% (stronger) | 70.6% |
| Uninsured deposits | 26.3% | 9.0% (stronger) |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.5% | 4.8% |
Journey Credit Union has the higher TellerScore (85 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Farmers and Merchants State Bank leads on 3 and Journey Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.