Side-by-side · Q2 2026 data
First Farmers and Merchants Bank vs Employee Resources Credit Union
Credit union
Employee Resources Credit Union
Lawrenceburg, Tennessee · $100 million – $1 billion
Metric by metric
| Measure | First Farmers and Merchants Bank | Employee Resources Credit Union |
|---|---|---|
| TellerScore | 79 (stronger) | 62 |
| Capital cushion | 62 (stronger) | 45 |
| Loan quality | 96 (stronger) | 81 |
| Earnings | 71 (stronger) | 42 |
| Funding & liquidity | 80 (stronger) | 72 |
| Problem-loan coverage | 98 (stronger) | 89 |
| Peer percentile | 88th | 26th |
| Total assets | $1.8B | $185.5M |
| Deposits / shares | $1.6B | $167.6M |
| Capital ratio | 11.19% (stronger) | 9.46% |
| Problem loans | 0.12% (stronger) | 0.58% |
| Net charge-offs | 0.00% (stronger) | 0.60% |
| Return on assets | 1.27% (stronger) | 0.54% |
| Loans ÷ deposits | 65.8% (stronger) | 88.7% |
| Uninsured deposits | 27.7% | 7.0% (stronger) |
| Offices | 20 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 17.9% | — |
First Farmers and Merchants Bank has the higher TellerScore (79 vs 62). On the 7 directional measures above (where higher or lower is clearly better), First Farmers and Merchants Bank leads on 6 and Employee Resources Credit Union on 1. 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.