Side-by-side · Q2 2026 data
Farmers State Bank vs United Community Credit Union
Metric by metric
| Measure | Farmers State Bank | United Community Credit Union |
|---|---|---|
| TellerScore | 88 (stronger) | 84 |
| Capital cushion | 100 | 100 |
| Loan quality | 92 (stronger) | 87 |
| Earnings | 76 (stronger) | 62 |
| Funding & liquidity | 67 | 71 (stronger) |
| Problem-loan coverage | 96 (stronger) | 95 |
| Peer percentile | 92nd | 86th |
| Total assets | $339.8M | $134.1M |
| Deposits / shares | $285.8M | $113.2M |
| Capital ratio | 15.02% | 15.41% (stronger) |
| Problem loans | 0.23% (stronger) | 0.40% |
| Net charge-offs | 0.01% (stronger) | 0.38% |
| Return on assets | 1.40% (stronger) | 1.05% |
| Loans ÷ deposits | 89.0% (stronger) | 89.4% |
| Uninsured deposits | 19.2% | 2.3% (stronger) |
| Offices | 6 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.5% | — |
Farmers State Bank has the higher TellerScore (88 vs 84). On the 7 directional measures above (where higher or lower is clearly better), Farmers State Bank leads on 5 and United Community Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.