Side-by-side · Q2 2026 data
Farmers State Bank vs Ace Credit Union
Metric by metric
| Measure | Farmers State Bank | Ace Credit Union |
|---|---|---|
| TellerScore | 74 | 89 (stronger) |
| Capital cushion | 77 | 100 (stronger) |
| Loan quality | 74 | 96 (stronger) |
| Earnings | 61 (stronger) | 52 |
| Funding & liquidity | 75 | 100 (stronger) |
| Problem-loan coverage | 90 | 100 (stronger) |
| Peer percentile | 57th | 87th |
| Total assets | $221.4M | $7.5M |
| Deposits / shares | $189.7M | $5.9M |
| Capital ratio | 12.73% | 20.94% (stronger) |
| Problem loans | 0.77% | 0.12% (stronger) |
| Net charge-offs | 0.01% | 0.00% (stronger) |
| Return on assets | 1.03% (stronger) | 0.80% |
| Loans ÷ deposits | 84.9% | 27.6% (stronger) |
| Uninsured deposits | 15.4% | 0.7% (stronger) |
| Offices | 8 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Ace Credit Union has the higher TellerScore (89 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Farmers State Bank leads on 1 and Ace Credit Union on 6. 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.