Side-by-side · Q2 2026 data
The Farmers & Merchants State Bank vs Genfed Financial Credit Union
Metric by metric
| Measure | The Farmers & Merchants State Bank | Genfed Financial Credit Union |
|---|---|---|
| TellerScore | 70 | 79 (stronger) |
| Capital cushion | 44 | 100 (stronger) |
| Loan quality | 91 (stronger) | 54 |
| Earnings | 71 (stronger) | 67 |
| Funding & liquidity | 67 | 88 (stronger) |
| Problem-loan coverage | 97 (stronger) | 90 |
| Peer percentile | 58th | 76th |
| Total assets | $3.5B | $335.9M |
| Deposits / shares | $2.9B | $280.4M |
| Capital ratio | 9.44% | 16.78% (stronger) |
| Problem loans | 0.27% (stronger) | 1.38% |
| Net charge-offs | 0.02% (stronger) | 0.36% |
| Return on assets | 1.28% (stronger) | 1.16% |
| Loans ÷ deposits | 93.3% | 72.7% (stronger) |
| Uninsured deposits | 11.1% | 0.0% (stronger) |
| Offices | 37 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Genfed Financial Credit Union has the higher TellerScore (79 vs 70). On the 7 directional measures above (where higher or lower is clearly better), The Farmers & Merchants State Bank leads on 3 and Genfed Financial Credit Union on 4. 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.
Where both have branches
- Bryan, OH