Side-by-side · Q2 2026 data
Farmers Trust and Savings Bank vs Fairmont School Employees Federal Credit Union
Credit union
Fairmont School Employees Federal Credit Union
Fairmont, Minnesota · Under $100 million in assets
Metric by metric
| Measure | Farmers Trust and Savings Bank | Fairmont School Employees Federal Credit Union |
|---|---|---|
| TellerScore | 74 (stronger) | 62 |
| Capital cushion | 49 | 54 (stronger) |
| Loan quality | 98 (stronger) | 67 |
| Earnings | 83 (stronger) | 44 |
| Funding & liquidity | 56 | 75 (stronger) |
| Problem-loan coverage | 99 (stronger) | 87 |
| Peer percentile | 57th | 24th |
| Total assets | $422.7M | $4.3M |
| Deposits / shares | $373.8M | $3.8M |
| Capital ratio | 9.91% | 10.45% (stronger) |
| Problem loans | 0.06% (stronger) | 0.98% |
| Net charge-offs | 0.04% (stronger) | 0.77% |
| Return on assets | 1.58% (stronger) | 0.61% |
| Loans ÷ deposits | 96.0% | 85.6% (stronger) |
| Uninsured deposits | 22.6% | 0.0% (stronger) |
| Offices | 6 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Farmers Trust and Savings Bank has the higher TellerScore (74 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Farmers Trust and Savings Bank leads on 4 and Fairmont School Employees Federal 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.