Side-by-side · Q2 2026 data
First Farmers & Merchants State Bank vs Mayo Employees Federal Credit Union
Bank
First Farmers & Merchants State Bank
Brownsdale, Minnesota · Under $100 million in assets
Credit union
Mayo Employees Federal Credit Union
Rochester, Minnesota · $1 billion – $10 billion
Metric by metric
| Measure | First Farmers & Merchants State Bank | Mayo Employees Federal Credit Union |
|---|---|---|
| TellerScore | 67 | 98 (stronger) |
| Capital cushion | 65 | 99 (stronger) |
| Loan quality | 56 | 98 (stronger) |
| Earnings | 67 | 92 (stronger) |
| Funding & liquidity | 79 | 100 (stronger) |
| Problem-loan coverage | 83 | 100 (stronger) |
| Peer percentile | 30th | 100th |
| Total assets | $96.4M | $1.5B |
| Deposits / shares | $85.7M | $1.3B |
| Capital ratio | 11.46% | 14.90% (stronger) |
| Problem loans | 1.31% | 0.05% (stronger) |
| Net charge-offs | 0.76% | 0.02% (stronger) |
| Return on assets | 1.18% | 1.80% (stronger) |
| Loans ÷ deposits | 81.5% | 55.3% (stronger) |
| Uninsured deposits | 12.7% | 6.2% (stronger) |
| Offices | 2 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 18.7% |
Mayo Employees Federal Credit Union has the higher TellerScore (98 vs 67). On the 7 directional measures above (where higher or lower is clearly better), First Farmers & Merchants State Bank leads on 0 and Mayo Employees Federal Credit Union on 7. 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.