Side-by-side · Q2 2026 data
The Farmers & Merchants Bank vs Winnebago Community Credit Union
Credit union
Winnebago Community Credit Union
Oshkosh, Wisconsin · $100 million – $1 billion
Metric by metric
| Measure | The Farmers & Merchants Bank | Winnebago Community Credit Union |
|---|---|---|
| TellerScore | 54 | 85 (stronger) |
| Capital cushion | 50 | 88 (stronger) |
| Loan quality | 35 | 96 (stronger) |
| Earnings | 69 (stronger) | 63 |
| Funding & liquidity | 67 | 78 (stronger) |
| Problem-loan coverage | 63 | 99 (stronger) |
| Peer percentile | 10th | 87th |
| Total assets | $949.4M | $176.1M |
| Deposits / shares | $784.7M | $150.8M |
| Capital ratio | 10.02% | 13.75% (stronger) |
| Problem loans | 1.96% | 0.13% (stronger) |
| Net charge-offs | 0.29% | 0.09% (stronger) |
| Return on assets | 1.23% (stronger) | 1.06% |
| Loans ÷ deposits | 93.1% | 81.9% (stronger) |
| Uninsured deposits | 7.4% (stronger) | 9.1% |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Winnebago Community Credit Union has the higher TellerScore (85 vs 54). On the 7 directional measures above (where higher or lower is clearly better), The Farmers & Merchants Bank leads on 2 and Winnebago Community Credit Union on 5. 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.