Side-by-side · Q2 2026 data
Farmers and Miners Bank vs Horizon Credit Union
Metric by metric
| Measure | Farmers and Miners Bank | Horizon Credit Union |
|---|---|---|
| TellerScore | 89 (stronger) | 76 |
| Capital cushion | 83 (stronger) | 69 |
| Loan quality | 89 | 96 (stronger) |
| Earnings | 85 (stronger) | 48 |
| Funding & liquidity | 100 (stronger) | 80 |
| Problem-loan coverage | 98 | 99 (stronger) |
| Peer percentile | 94th | 54th |
| Total assets | $193.2M | $60.2M |
| Deposits / shares | $166.3M | $53.8M |
| Capital ratio | 13.28% (stronger) | 11.89% |
| Problem loans | 0.32% | 0.11% (stronger) |
| Net charge-offs | 0.10% | 0.01% (stronger) |
| Return on assets | 1.63% (stronger) | 0.69% |
| Loans ÷ deposits | 59.5% (stronger) | 80.3% |
| Uninsured deposits | 9.2% | 2.4% (stronger) |
| Offices | 6 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Farmers and Miners Bank has the higher TellerScore (89 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Farmers and Miners Bank leads on 4 and Horizon Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.