Side-by-side · Q2 2026 data
First Farmers & Merchants State Bank vs Mower County Employees Credit Union
Bank
First Farmers & Merchants State Bank
Brownsdale, Minnesota · Under $100 million in assets
Credit union
Mower County Employees Credit Union
Austin, Minnesota · Under $100 million in assets
Metric by metric
| Measure | First Farmers & Merchants State Bank | Mower County Employees Credit Union |
|---|---|---|
| TellerScore | 67 | 90 (stronger) |
| Capital cushion | 65 | 97 (stronger) |
| Loan quality | 56 | 94 (stronger) |
| Earnings | 67 | 100 (stronger) |
| Funding & liquidity | 79 (stronger) | 51 |
| Problem-loan coverage | 83 | 98 (stronger) |
| Peer percentile | 30th | 89th |
| Total assets | $96.4M | $13.4M |
| Deposits / shares | $85.7M | $11.2M |
| Capital ratio | 11.46% | 14.67% (stronger) |
| Problem loans | 1.31% | 0.17% (stronger) |
| Net charge-offs | 0.76% | -0.31% (stronger) |
| Return on assets | 1.18% | 3.35% (stronger) |
| Loans ÷ deposits | 81.5% (stronger) | 108.8% |
| Uninsured deposits | 12.7% | 1.1% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Mower County Employees Credit Union has the higher TellerScore (90 vs 67). On the 7 directional measures above (where higher or lower is clearly better), First Farmers & Merchants State Bank leads on 1 and Mower County Employees Credit Union on 6. 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.