Side-by-side · Q2 2026 data
Amboy Bank vs Merck Employees Federal Credit Union
Credit union
Merck Employees Federal Credit Union
Rahway, New Jersey · $1 billion – $10 billion
Metric by metric
| Measure | Amboy Bank | Merck Employees Federal Credit Union |
|---|---|---|
| TellerScore | 80 | 86 (stronger) |
| Capital cushion | 72 | 100 (stronger) |
| Loan quality | 90 | 90 |
| Earnings | 100 (stronger) | 51 |
| Funding & liquidity | 45 | 89 (stronger) |
| Problem-loan coverage | 96 | 99 (stronger) |
| Peer percentile | 90th | 95th |
| Total assets | $3.1B | $1.7B |
| Deposits / shares | $2.7B | $1.2B |
| Capital ratio | 12.19% | 15.45% (stronger) |
| Problem loans | 0.30% | 0.30% (stronger) |
| Net charge-offs | -0.12% (stronger) | 0.01% |
| Return on assets | 2.60% (stronger) | 0.77% |
| Loans ÷ deposits | 72.8% | 18.3% (stronger) |
| Uninsured deposits | 53.2% | 25.4% (stronger) |
| Offices | 23 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 16.6% | — |
Merck Employees Federal Credit Union has the higher TellerScore (86 vs 80). On the 7 directional measures above (where higher or lower is clearly better), Amboy Bank leads on 2 and Merck Employees Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.