Side-by-side · Q2 2026 data
Farmers and Merchants Union Bank vs Golden Rule Community Credit Union
Metric by metric
| Measure | Farmers and Merchants Union Bank | Golden Rule Community Credit Union |
|---|---|---|
| TellerScore | 78 (stronger) | 72 |
| Capital cushion | 50 | 70 (stronger) |
| Loan quality | 95 (stronger) | 65 |
| Earnings | 91 (stronger) | 51 |
| Funding & liquidity | 76 | 100 (stronger) |
| Problem-loan coverage | 96 (stronger) | 95 |
| Peer percentile | 72nd | 44th |
| Total assets | $872.1M | $42.6M |
| Deposits / shares | $751.9M | $36.9M |
| Capital ratio | 9.97% | 12.00% (stronger) |
| Problem loans | 0.15% (stronger) | 1.05% |
| Net charge-offs | -0.05% | -0.08% (stronger) |
| Return on assets | 1.76% (stronger) | 0.76% |
| Loans ÷ deposits | 84.5% | 32.4% (stronger) |
| Uninsured deposits | 14.6% | 0.7% (stronger) |
| Offices | 13 | 1 |
| 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 72). On the 7 directional measures above (where higher or lower is clearly better), Farmers and Merchants Union Bank leads on 3 and Golden Rule Community Credit Union on 4. 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.