Side-by-side · Q2 2026 data
Farmers and Merchants Union Bank vs Teachers Credit Union
Metric by metric
| Measure | Farmers and Merchants Union Bank | Teachers Credit Union |
|---|---|---|
| TellerScore | 78 | 81 (stronger) |
| Capital cushion | 50 | 72 (stronger) |
| Loan quality | 95 | 95 |
| Earnings | 91 (stronger) | 54 |
| Funding & liquidity | 76 | 100 (stronger) |
| Problem-loan coverage | 96 | 99 (stronger) |
| Peer percentile | 72nd | 68th |
| Total assets | $872.1M | $37.6M |
| Deposits / shares | $751.9M | $32.9M |
| Capital ratio | 9.97% | 12.23% (stronger) |
| Problem loans | 0.15% (stronger) | 0.16% |
| Net charge-offs | -0.05% (stronger) | 0.00% |
| Return on assets | 1.76% (stronger) | 0.85% |
| Loans ÷ deposits | 84.5% | 53.9% (stronger) |
| Uninsured deposits | 14.6% | 3.2% (stronger) |
| Offices | 13 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.1% | — |
Teachers Credit Union has the higher TellerScore (81 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Farmers and Merchants Union Bank leads on 3 and Teachers 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.