Side-by-side · Q2 2026 data
Farmers and Miners Bank vs Bristol VA School System Federal Credit Union
Credit union
Bristol VA School System Federal Credit Union
Bristol, Virginia · Under $100 million in assets
Metric by metric
| Measure | Farmers and Miners Bank | Bristol VA School System Federal Credit Union |
|---|---|---|
| TellerScore | 89 (stronger) | 53 |
| Capital cushion | 83 | 100 (stronger) |
| Loan quality | 89 (stronger) | 0 |
| Earnings | 85 (stronger) | 0 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 98 (stronger) | 83 |
| Peer percentile | 94th | 12th |
| Total assets | $193.2M | $210K |
| Deposits / shares | $166.3M | $167K |
| Capital ratio | 13.28% | 20.47% (stronger) |
| Problem loans | 0.32% (stronger) | 8.82% |
| Net charge-offs | 0.10% | 0.00% (stronger) |
| Return on assets | 1.63% (stronger) | -1.75% |
| Loans ÷ deposits | 59.5% | 24.4% (stronger) |
| Uninsured deposits | 9.2% | 0.0% (stronger) |
| Offices | 6 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Farmers and Miners Bank has the higher TellerScore (89 vs 53). On the 7 directional measures above (where higher or lower is clearly better), Farmers and Miners Bank leads on 3 and Bristol VA School System Federal 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.