Side-by-side · Q2 2026 data
Farmers and Merchants Trust Company of Chambersburg vs Patriot Federal 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 | Patriot Federal Credit Union |
|---|---|---|
| TellerScore | 60 | 76 (stronger) |
| Capital cushion | 38 | 65 (stronger) |
| Loan quality | 63 | 91 (stronger) |
| Earnings | 71 (stronger) | 63 |
| Funding & liquidity | 69 | 78 (stronger) |
| Problem-loan coverage | 83 | 96 (stronger) |
| Peer percentile | 21st | 79th |
| Total assets | $2.3B | $1.3B |
| Deposits / shares | $1.9B | $1.2B |
| Capital ratio | 8.83% | 11.49% (stronger) |
| Problem loans | 1.10% | 0.26% (stronger) |
| Net charge-offs | 0.07% (stronger) | 0.29% |
| Return on assets | 1.27% (stronger) | 1.07% |
| Loans ÷ deposits | 82.7% | 82.1% (stronger) |
| Uninsured deposits | 22.7% | 11.9% (stronger) |
| Offices | 25 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Patriot Federal Credit Union has the higher TellerScore (76 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Farmers and Merchants Trust Company of Chambersburg leads on 2 and Patriot Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Chambersburg, PA
- Hagerstown, MD
- Waynesboro, PA