Side-by-side · Q2 2026 data
The Farmers and Merchants Bank vs Southeastern Ohio Credit Union
Metric by metric
| Measure | The Farmers and Merchants Bank | Southeastern Ohio Credit Union |
|---|---|---|
| TellerScore | 66 | 78 (stronger) |
| Capital cushion | 99 (stronger) | 71 |
| Loan quality | 0 | 66 (stronger) |
| Earnings | 79 | 80 (stronger) |
| Funding & liquidity | 87 | 98 (stronger) |
| Problem-loan coverage | 71 | 91 (stronger) |
| Peer percentile | 31st | 59th |
| Total assets | $136.4M | $65.4M |
| Deposits / shares | $116.5M | $56.9M |
| Capital ratio | 14.92% (stronger) | 12.08% |
| Problem loans | 3.86% | 1.03% (stronger) |
| Net charge-offs | 0.08% (stronger) | 0.68% |
| Return on assets | 1.47% | 1.49% (stronger) |
| Loans ÷ deposits | 66.1% | 61.9% (stronger) |
| Uninsured deposits | 21.4% | 0.0% (stronger) |
| Offices | 1 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Southeastern Ohio Credit Union has the higher TellerScore (78 vs 66). On the 7 directional measures above (where higher or lower is clearly better), The Farmers and Merchants Bank leads on 2 and Southeastern Ohio Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Caldwell, OH