Side-by-side · Q2 2026 data
Farmers and Merchants Union Bank vs First Community CU of Beloit Credit Union
Credit union
First Community CU of Beloit Credit Union
Beloit, Wisconsin · $100 million – $1 billion
Metric by metric
| Measure | Farmers and Merchants Union Bank | First Community CU of Beloit Credit Union |
|---|---|---|
| TellerScore | 78 (stronger) | 63 |
| Capital cushion | 50 | 57 (stronger) |
| Loan quality | 95 (stronger) | 74 |
| Earnings | 91 (stronger) | 57 |
| Funding & liquidity | 76 (stronger) | 52 |
| Problem-loan coverage | 96 (stronger) | 86 |
| Peer percentile | 72nd | 29th |
| Total assets | $872.1M | $410.2M |
| Deposits / shares | $751.9M | $348.1M |
| Capital ratio | 9.97% | 10.69% (stronger) |
| Problem loans | 0.15% (stronger) | 0.77% |
| Net charge-offs | -0.05% (stronger) | 0.30% |
| Return on assets | 1.76% (stronger) | 0.93% |
| Loans ÷ deposits | 84.5% (stronger) | 107.3% |
| Uninsured deposits | 14.6% (stronger) | 16.0% |
| Offices | 13 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.1% | — |
Farmers and Merchants Union Bank has the higher TellerScore (78 vs 63). On the 7 directional measures above (where higher or lower is clearly better), Farmers and Merchants Union Bank leads on 6 and First Community CU of Beloit Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.