Side-by-side · Q2 2026 data
Farmers Savings Bank & Trust vs Veridian Credit Union
Metric by metric
| Measure | Farmers Savings Bank & Trust | Veridian Credit Union |
|---|---|---|
| TellerScore | 81 (stronger) | 73 |
| Capital cushion | 53 | 66 (stronger) |
| Loan quality | 100 (stronger) | 78 |
| Earnings | 73 | 84 (stronger) |
| Funding & liquidity | 100 (stronger) | 54 |
| Problem-loan coverage | 100 (stronger) | 90 |
| Peer percentile | 80th | 70th |
| Total assets | $212.7M | $9.2B |
| Deposits / shares | $192.2M | $7.7B |
| Capital ratio | 10.25% | 11.57% (stronger) |
| Problem loans | 0.00% (stronger) | 0.67% |
| Net charge-offs | 0.02% (stronger) | 0.36% |
| Return on assets | 1.33% | 1.60% (stronger) |
| Loans ÷ deposits | 59.3% (stronger) | 102.7% |
| Uninsured deposits | 15.0% (stronger) | 18.1% |
| Offices | 2 | 15 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | 11.2% |
Farmers Savings Bank & Trust has the higher TellerScore (81 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Farmers Savings Bank & Trust leads on 5 and Veridian Credit Union on 2. 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.