Side-by-side · Q2 2026 data
Farmers State Bank vs Ashland Community Federal Credit Union
Credit union
Ashland Community Federal Credit Union
Ashland, Ohio · Under $100 million in assets
Metric by metric
| Measure | Farmers State Bank | Ashland Community Federal Credit Union |
|---|---|---|
| TellerScore | 72 | 84 (stronger) |
| Capital cushion | 43 | 73 (stronger) |
| Loan quality | 100 (stronger) | 97 |
| Earnings | 63 | 79 (stronger) |
| Funding & liquidity | 81 (stronger) | 79 |
| Problem-loan coverage | 97 | 99 (stronger) |
| Peer percentile | 50th | 75th |
| Total assets | $187.5M | $23.1M |
| Deposits / shares | $163.0M | $20.2M |
| Capital ratio | 9.30% | 12.29% (stronger) |
| Problem loans | 0.00% (stronger) | 0.10% |
| Net charge-offs | 0.07% | 0.01% (stronger) |
| Return on assets | 1.07% | 1.48% (stronger) |
| Loans ÷ deposits | 77.7% (stronger) | 81.1% |
| Uninsured deposits | 17.0% | 1.7% (stronger) |
| Offices | 5 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Ashland Community Federal Credit Union has the higher TellerScore (84 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Farmers State Bank leads on 2 and Ashland Community Federal Credit Union on 5. 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.