Side-by-side · Q2 2026 data
Affinity Federal Credit Union vs Merck Employees Federal Credit Union
Credit union
Affinity Federal Credit Union
Basking Ridge, New Jersey · $1 billion – $10 billion
Credit union
Merck Employees Federal Credit Union
Rahway, New Jersey · $1 billion – $10 billion
Metric by metric
| Measure | Affinity Federal Credit Union | Merck Employees Federal Credit Union |
|---|---|---|
| TellerScore | 49 | 86 (stronger) |
| Capital cushion | 31 | 100 (stronger) |
| Loan quality | 69 | 90 (stronger) |
| Earnings | 28 | 51 (stronger) |
| Funding & liquidity | 58 | 89 (stronger) |
| Problem-loan coverage | 80 | 99 (stronger) |
| Peer percentile | 5th | 95th |
| Total assets | $4.4B | $1.7B |
| Deposits / shares | $3.8B | $1.2B |
| Capital ratio | 8.14% | 15.45% (stronger) |
| Problem loans | 0.93% | 0.30% (stronger) |
| Net charge-offs | 0.40% | 0.01% (stronger) |
| Return on assets | 0.21% | 0.77% (stronger) |
| Loans ÷ deposits | 102.6% | 18.3% (stronger) |
| Uninsured deposits | 10.1% (stronger) | 25.4% |
| Offices | 14 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Merck Employees Federal Credit Union has the higher TellerScore (86 vs 49). On the 7 directional measures above (where higher or lower is clearly better), Affinity Federal Credit Union leads on 1 and Merck Employees Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.