Side-by-side · Q2 2026 data
The Farmers & Merchants Bank vs Valley Credit Union
Metric by metric
| Measure | The Farmers & Merchants Bank | Valley Credit Union |
|---|---|---|
| TellerScore | 75 | 84 (stronger) |
| Capital cushion | 100 (stronger) | 90 |
| Loan quality | 56 | 93 (stronger) |
| Earnings | 43 (stronger) | 42 |
| Funding & liquidity | 82 | 100 (stronger) |
| Problem-loan coverage | 99 | 99 |
| Peer percentile | 54th | 86th |
| Total assets | $98.3M | $112.9M |
| Deposits / shares | $86.5M | $98.2M |
| Capital ratio | 17.03% (stronger) | 13.96% |
| Problem loans | 1.33% | 0.20% (stronger) |
| Net charge-offs | 0.04% (stronger) | 0.43% |
| Return on assets | 0.59% (stronger) | 0.55% |
| Loans ÷ deposits | 5.9% (stronger) | 39.1% |
| Uninsured deposits | 31.2% | 3.0% (stronger) |
| Offices | 2 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Valley Credit Union has the higher TellerScore (84 vs 75). On the 7 directional measures above (where higher or lower is clearly better), The Farmers & Merchants Bank leads on 4 and Valley Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.