Side-by-side · Q2 2026 data
Farmers State Bank vs Three Rivers Federal Credit Union
Metric by metric
| Measure | Farmers State Bank | Three Rivers Federal Credit Union |
|---|---|---|
| TellerScore | 78 | 78 |
| Capital cushion | 58 | 89 (stronger) |
| Loan quality | 99 (stronger) | 51 |
| Earnings | 94 | 97 (stronger) |
| Funding & liquidity | 50 | 72 (stronger) |
| Problem-loan coverage | 100 (stronger) | 86 |
| Peer percentile | 86th | 84th |
| Total assets | $1.3B | $2.9B |
| Deposits / shares | $1.2B | $2.1B |
| Capital ratio | 10.75% | 13.88% (stronger) |
| Problem loans | 0.02% (stronger) | 1.47% |
| Net charge-offs | 0.01% (stronger) | 0.43% |
| Return on assets | 1.85% | 1.92% (stronger) |
| Loans ÷ deposits | 77.7% (stronger) | 86.4% |
| Uninsured deposits | 44.9% | 16.3% (stronger) |
| Offices | 12 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.4% | 16.3% |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Farmers State Bank leads on 3 and Three Rivers Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.