Side-by-side · Q2 2026 data
Farmers and Miners Bank vs Appalachian Community Federal Credit Union
Credit union
Appalachian Community Federal Credit Union
Kingsport, Tennessee · $100 million – $1 billion
Metric by metric
| Measure | Farmers and Miners Bank | Appalachian Community Federal Credit Union |
|---|---|---|
| TellerScore | 89 (stronger) | 70 |
| Capital cushion | 83 (stronger) | 60 |
| Loan quality | 89 | 91 (stronger) |
| Earnings | 85 (stronger) | 47 |
| Funding & liquidity | 100 (stronger) | 67 |
| Problem-loan coverage | 98 (stronger) | 94 |
| Peer percentile | 94th | 51st |
| Total assets | $193.2M | $182.8M |
| Deposits / shares | $166.3M | $161.4M |
| Capital ratio | 13.28% (stronger) | 10.99% |
| Problem loans | 0.32% | 0.26% (stronger) |
| Net charge-offs | 0.10% (stronger) | 0.22% |
| Return on assets | 1.63% (stronger) | 0.69% |
| Loans ÷ deposits | 59.5% (stronger) | 92.8% |
| Uninsured deposits | 9.2% | 6.9% (stronger) |
| Offices | 6 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 11.5% |
Farmers and Miners Bank has the higher TellerScore (89 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Farmers and Miners Bank leads on 5 and Appalachian Community Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.