Side-by-side · Q2 2026 data
First Farmers & Merchants National Bank vs Citizens Community Credit Union
Metric by metric
| Measure | First Farmers & Merchants National Bank | Citizens Community Credit Union |
|---|---|---|
| TellerScore | 68 | 88 (stronger) |
| Capital cushion | 56 | 100 (stronger) |
| Loan quality | 98 (stronger) | 76 |
| Earnings | 61 | 87 (stronger) |
| Funding & liquidity | 30 | 79 (stronger) |
| Problem-loan coverage | 99 (stronger) | 95 |
| Peer percentile | 37th | 92nd |
| Total assets | $140.4M | $253.6M |
| Deposits / shares | $115.4M | $201.9M |
| Capital ratio | 10.59% | 19.14% (stronger) |
| Problem loans | 0.06% (stronger) | 0.73% |
| Net charge-offs | 0.20% (stronger) | 0.76% |
| Return on assets | 1.02% | 1.69% (stronger) |
| Loans ÷ deposits | 99.8% | 81.1% (stronger) |
| Uninsured deposits | 42.6% | 5.0% (stronger) |
| Offices | 2 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.2% | — |
Citizens Community Credit Union has the higher TellerScore (88 vs 68). On the 7 directional measures above (where higher or lower is clearly better), First Farmers & Merchants National Bank leads on 2 and Citizens Community Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.