Side-by-side · Q2 2026 data
Merchants & Farmers Bank & Trust Company vs First Street Federal Credit Union
Credit union
First Street Federal Credit Union
Deridder, Louisiana · Under $100 million in assets
Metric by metric
| Measure | Merchants & Farmers Bank & Trust Company | First Street Federal Credit Union |
|---|---|---|
| TellerScore | 70 | 93 (stronger) |
| Capital cushion | 62 | 100 (stronger) |
| Loan quality | 77 | 93 (stronger) |
| Earnings | 57 | 73 (stronger) |
| Funding & liquidity | 77 | 100 (stronger) |
| Problem-loan coverage | 93 | 99 (stronger) |
| Peer percentile | 43rd | 94th |
| Total assets | $541.4M | $60.6M |
| Deposits / shares | $486.0M | $50.7M |
| Capital ratio | 11.17% | 16.27% (stronger) |
| Problem loans | 0.70% | 0.20% (stronger) |
| Net charge-offs | 0.05% | -0.06% (stronger) |
| Return on assets | 0.92% | 1.31% (stronger) |
| Loans ÷ deposits | 55.1% (stronger) | 56.3% |
| Uninsured deposits | 36.0% | 1.6% (stronger) |
| Offices | 9 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 16.0% | — |
First Street Federal Credit Union has the higher TellerScore (93 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Merchants & Farmers Bank & Trust Company leads on 1 and First Street Federal 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.