Side-by-side · Q2 2026 data
First Farmers and Merchants Bank vs Family Advantage Federal Credit Union
Credit union
Family Advantage Federal Credit Union
Spring Hill, Tennessee · Under $100 million in assets
Metric by metric
| Measure | First Farmers and Merchants Bank | Family Advantage Federal Credit Union |
|---|---|---|
| TellerScore | 79 (stronger) | 59 |
| Capital cushion | 62 (stronger) | 42 |
| Loan quality | 96 (stronger) | 71 |
| Earnings | 71 (stronger) | 20 |
| Funding & liquidity | 80 | 100 (stronger) |
| Problem-loan coverage | 98 (stronger) | 93 |
| Peer percentile | 88th | 20th |
| Total assets | $1.8B | $93.4M |
| Deposits / shares | $1.6B | $85.2M |
| Capital ratio | 11.19% (stronger) | 9.18% |
| Problem loans | 0.12% (stronger) | 0.88% |
| Net charge-offs | 0.00% (stronger) | 2.30% |
| Return on assets | 1.27% (stronger) | 0.01% |
| Loans ÷ deposits | 65.8% | 40.7% (stronger) |
| Uninsured deposits | 27.7% | 2.7% (stronger) |
| Offices | 20 | 2 |
| 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 59). On the 7 directional measures above (where higher or lower is clearly better), First Farmers and Merchants Bank leads on 5 and Family Advantage Federal Credit Union on 2. 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.