Side-by-side · Q2 2026 data
Farmers and Merchants Union Bank vs Blackhawk Community Credit Union
Credit union
Blackhawk Community Credit Union
Janesville, Wisconsin · $100 million – $1 billion
Metric by metric
| Measure | Farmers and Merchants Union Bank | Blackhawk Community Credit Union |
|---|---|---|
| TellerScore | 78 (stronger) | 68 |
| Capital cushion | 50 | 58 (stronger) |
| Loan quality | 95 (stronger) | 79 |
| Earnings | 91 (stronger) | 33 |
| Funding & liquidity | 76 | 100 (stronger) |
| Problem-loan coverage | 96 (stronger) | 94 |
| Peer percentile | 72nd | 45th |
| Total assets | $872.1M | $947.3M |
| Deposits / shares | $751.9M | $841.5M |
| Capital ratio | 9.97% | 10.77% (stronger) |
| Problem loans | 0.15% (stronger) | 0.63% |
| Net charge-offs | -0.05% (stronger) | 0.08% |
| Return on assets | 1.76% (stronger) | 0.33% |
| Loans ÷ deposits | 84.5% | 60.0% (stronger) |
| Uninsured deposits | 14.6% | 3.4% (stronger) |
| Offices | 13 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.1% | 12.3% |
Farmers and Merchants Union Bank has the higher TellerScore (78 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Farmers and Merchants Union Bank leads on 4 and Blackhawk Community Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.