Side-by-side · Q2 2026 data
Farmers State Bank vs Waterloo Firemen'S Credit Union
Metric by metric
| Measure | Farmers State Bank | Waterloo Firemen'S Credit Union |
|---|---|---|
| TellerScore | 72 | 90 (stronger) |
| Capital cushion | 62 | 83 (stronger) |
| Loan quality | 100 | 100 |
| Earnings | 77 | 100 (stronger) |
| Funding & liquidity | 23 | 69 (stronger) |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 66th | 89th |
| Total assets | $1.6B | $2.9M |
| Deposits / shares | $1.3B | $2.5M |
| Capital ratio | 11.20% | 13.29% (stronger) |
| Problem loans | 0.01% | 0.00% (stronger) |
| Net charge-offs | 0.01% | 0.00% (stronger) |
| Return on assets | 1.41% | 2.17% (stronger) |
| Loans ÷ deposits | 102.8% | 91.0% (stronger) |
| Uninsured deposits | 46.0% | 0.0% (stronger) |
| Offices | 8 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.5% | — |
Waterloo Firemen'S Credit Union has the higher TellerScore (90 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Farmers State Bank leads on 0 and Waterloo Firemen'S Credit Union on 7. 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.