Side-by-side · Q2 2026 data
The Farmers & Merchants Bank vs Tennessee River Federal Credit Union
Credit union
Tennessee River Federal Credit Union
Counce, Tennessee · Under $100 million in assets
Metric by metric
| Measure | The Farmers & Merchants Bank | Tennessee River Federal Credit Union |
|---|---|---|
| TellerScore | 75 | 89 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 56 | 92 (stronger) |
| Earnings | 43 | 80 (stronger) |
| Funding & liquidity | 82 (stronger) | 67 |
| Problem-loan coverage | 99 | 99 |
| Peer percentile | 54th | 87th |
| Total assets | $98.3M | $16.3M |
| Deposits / shares | $86.5M | $10.8M |
| Capital ratio | 17.03% | 33.21% (stronger) |
| Problem loans | 1.33% | 0.25% (stronger) |
| Net charge-offs | 0.04% | 0.00% (stronger) |
| Return on assets | 0.59% | 1.50% (stronger) |
| Loans ÷ deposits | 5.9% (stronger) | 93.7% |
| Uninsured deposits | 31.2% | 0.0% (stronger) |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Tennessee River Federal Credit Union has the higher TellerScore (89 vs 75). On the 7 directional measures above (where higher or lower is clearly better), The Farmers & Merchants Bank leads on 1 and Tennessee River 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.