Side-by-side · Q2 2026 data
FM Bank vs Federated Employees Credit Union
Credit union
Federated Employees Credit Union
Owatonna, Minnesota · Under $100 million in assets
Metric by metric
| Measure | FM Bank | Federated Employees Credit Union |
|---|---|---|
| TellerScore | 66 | 82 (stronger) |
| Capital cushion | 27 | 82 (stronger) |
| Loan quality | 100 (stronger) | 94 |
| Earnings | 77 (stronger) | 51 |
| Funding & liquidity | 49 | 95 (stronger) |
| Problem-loan coverage | 97 | 98 (stronger) |
| Peer percentile | 31st | 70th |
| Total assets | $738.4M | $66.7M |
| Deposits / shares | $636.1M | $57.9M |
| Capital ratio | 7.66% | 13.17% (stronger) |
| Problem loans | 0.00% (stronger) | 0.19% |
| Net charge-offs | -0.00% (stronger) | 0.38% |
| Return on assets | 1.42% (stronger) | 0.78% |
| Loans ÷ deposits | 77.3% | 65.3% (stronger) |
| Uninsured deposits | 45.4% | 1.5% (stronger) |
| Offices | 6 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Federated Employees Credit Union has the higher TellerScore (82 vs 66). On the 7 directional measures above (where higher or lower is clearly better), FM Bank leads on 3 and Federated Employees Credit Union on 4. 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.