Side-by-side · Q2 2026 data
Farmers and Merchants Trust Company of Chambersburg vs 1st Ed Credit Union
Bank
Farmers and Merchants Trust Company of Chambersburg
Chambersburg, Pennsylvania · $1 billion – $10 billion
Metric by metric
| Measure | Farmers and Merchants Trust Company of Chambersburg | 1st Ed Credit Union |
|---|---|---|
| TellerScore | 60 | 83 (stronger) |
| Capital cushion | 38 | 100 (stronger) |
| Loan quality | 63 | 83 (stronger) |
| Earnings | 71 (stronger) | 37 |
| Funding & liquidity | 69 | 100 (stronger) |
| Problem-loan coverage | 83 | 98 (stronger) |
| Peer percentile | 21st | 83rd |
| Total assets | $2.3B | $138.2M |
| Deposits / shares | $1.9B | $117.3M |
| Capital ratio | 8.83% | 15.87% (stronger) |
| Problem loans | 1.10% | 0.50% (stronger) |
| Net charge-offs | 0.07% | 0.01% (stronger) |
| Return on assets | 1.27% (stronger) | 0.42% |
| Loans ÷ deposits | 82.7% | 36.9% (stronger) |
| Uninsured deposits | 22.7% | 2.8% (stronger) |
| Offices | 25 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 23.5% |
1st Ed Credit Union has the higher TellerScore (83 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Farmers and Merchants Trust Company of Chambersburg leads on 1 and 1st Ed Credit Union on 6. 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.
Where both have branches
- Chambersburg, PA
- Greencastle, PA