Side-by-side · Q2 2026 data
The Farmers State Bank vs Goetz Credit Union
Metric by metric
| Measure | The Farmers State Bank | Goetz Credit Union |
|---|---|---|
| TellerScore | 72 | 85 (stronger) |
| Capital cushion | 86 | 100 (stronger) |
| Loan quality | 42 | 83 (stronger) |
| Earnings | 73 (stronger) | 58 |
| Funding & liquidity | 88 | 90 (stronger) |
| Problem-loan coverage | 81 | 96 (stronger) |
| Peer percentile | 45th | 77th |
| Total assets | $84.7M | $89.6M |
| Deposits / shares | $77.0M | $75.4M |
| Capital ratio | 13.64% | 15.71% (stronger) |
| Problem loans | 1.74% | 0.50% (stronger) |
| Net charge-offs | -0.08% (stronger) | 0.27% |
| Return on assets | 1.32% (stronger) | 0.95% |
| Loans ÷ deposits | 59.6% (stronger) | 70.5% |
| Uninsured deposits | 26.0% | 0.5% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.6% | — |
Goetz Credit Union has the higher TellerScore (85 vs 72). On the 7 directional measures above (where higher or lower is clearly better), The Farmers State Bank leads on 3 and Goetz Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.