Side-by-side · Q2 2026 data
Farmers and Merchants State Bank of Appleton vs Co-Op Credit Union of Montevideo
Bank
Farmers and Merchants State Bank of Appleton
Appleton, Minnesota · Under $100 million in assets
Credit union
Co-Op Credit Union of Montevideo
Montevideo, Minnesota · $100 million – $1 billion
Metric by metric
| Measure | Farmers and Merchants State Bank of Appleton | Co-Op Credit Union of Montevideo |
|---|---|---|
| TellerScore | 70 (stronger) | 69 |
| Capital cushion | 80 | 100 (stronger) |
| Loan quality | 37 (stronger) | 0 |
| Earnings | 100 (stronger) | 97 |
| Funding & liquidity | 60 | 80 (stronger) |
| Problem-loan coverage | 79 (stronger) | 72 |
| Peer percentile | 40th | 48th |
| Total assets | $62.0M | $422.8M |
| Deposits / shares | $53.8M | $352.5M |
| Capital ratio | 12.99% | 15.80% (stronger) |
| Problem loans | 1.89% (stronger) | 3.18% |
| Net charge-offs | 0.03% (stronger) | 0.08% |
| Return on assets | 3.27% (stronger) | 1.91% |
| Loans ÷ deposits | 92.9% | 80.6% (stronger) |
| Uninsured deposits | 21.2% | 5.4% (stronger) |
| Offices | 1 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Farmers and Merchants State Bank of Appleton has the higher TellerScore (70 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Farmers and Merchants State Bank of Appleton leads on 4 and Co-Op Credit Union of Montevideo 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.