Side-by-side · Q2 2026 data
Farmers National Bank vs Empeople Credit Union
Metric by metric
| Measure | Farmers National Bank | Empeople Credit Union |
|---|---|---|
| TellerScore | 88 (stronger) | 58 |
| Capital cushion | 100 (stronger) | 33 |
| Loan quality | 92 (stronger) | 80 |
| Earnings | 67 (stronger) | 50 |
| Funding & liquidity | 76 (stronger) | 62 |
| Problem-loan coverage | 98 (stronger) | 87 |
| Peer percentile | 92nd | 19th |
| Total assets | $895.7M | $2.3B |
| Deposits / shares | $637.2M | $2.0B |
| Capital ratio | 15.03% (stronger) | 8.31% |
| Problem loans | 0.23% (stronger) | 0.59% |
| Net charge-offs | 0.00% (stronger) | 0.46% |
| Return on assets | 1.17% (stronger) | 0.74% |
| Loans ÷ deposits | 76.9% (stronger) | 96.1% |
| Uninsured deposits | 22.0% | 16.7% (stronger) |
| Offices | 4 | 35 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.0% | 25.7% |
Farmers National Bank has the higher TellerScore (88 vs 58). On the 7 directional measures above (where higher or lower is clearly better), Farmers National Bank leads on 6 and Empeople Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.