Side-by-side · Q2 2026 data
Farmers and Merchants State Bank of Alpha vs Citizens Community Credit Union
Bank
Farmers and Merchants State Bank of Alpha
Alpha, Minnesota · Under $100 million in assets
Metric by metric
| Measure | Farmers and Merchants State Bank of Alpha | Citizens Community Credit Union |
|---|---|---|
| TellerScore | 46 | 88 (stronger) |
| Capital cushion | 61 | 100 (stronger) |
| Loan quality | 0 | 76 (stronger) |
| Earnings | 45 | 87 (stronger) |
| Funding & liquidity | 87 (stronger) | 79 |
| Problem-loan coverage | 55 | 95 (stronger) |
| Peer percentile | 7th | 92nd |
| Total assets | $47.4M | $253.6M |
| Deposits / shares | $41.2M | $201.9M |
| Capital ratio | 11.15% | 19.14% (stronger) |
| Problem loans | 4.15% | 0.73% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.76% |
| Return on assets | 0.62% | 1.69% (stronger) |
| Loans ÷ deposits | 73.2% (stronger) | 81.1% |
| Uninsured deposits | 10.6% | 5.0% (stronger) |
| Offices | 1 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens Community Credit Union has the higher TellerScore (88 vs 46). On the 7 directional measures above (where higher or lower is clearly better), Farmers and Merchants State Bank of Alpha leads on 2 and Citizens Community 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.