Side-by-side · Q2 2026 data
Farmers State Bank vs St. Ludmila S Credit Union
Metric by metric
| Measure | Farmers State Bank | St. Ludmila S Credit Union |
|---|---|---|
| TellerScore | 91 (stronger) | 79 |
| Capital cushion | 94 | 100 (stronger) |
| Loan quality | 93 (stronger) | 53 |
| Earnings | 100 (stronger) | 69 |
| Funding & liquidity | 67 | 84 (stronger) |
| Problem-loan coverage | 98 (stronger) | 95 |
| Peer percentile | 99th | 62nd |
| Total assets | $1.1B | $372K |
| Deposits / shares | $919.5M | $260K |
| Capital ratio | 14.37% | 29.62% (stronger) |
| Problem loans | 0.21% (stronger) | 1.41% |
| Net charge-offs | -0.00% (stronger) | 0.00% |
| Return on assets | 2.17% (stronger) | 1.22% |
| Loans ÷ deposits | 93.7% | 75.8% (stronger) |
| Uninsured deposits | 12.7% | 0.0% (stronger) |
| Offices | 7 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.3% | — |
Farmers State Bank has the higher TellerScore (91 vs 79). On the 7 directional measures above (where higher or lower is clearly better), Farmers State Bank leads on 4 and St. Ludmila S Credit Union on 3. 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.