Side-by-side · Q2 2026 data
Carver State Bank vs Mercy Federal Credit Union
Metric by metric
| Measure | Carver State Bank | Mercy Federal Credit Union |
|---|---|---|
| TellerScore | 89 (stronger) | 55 |
| Capital cushion | 100 | 100 |
| Loan quality | 88 (stronger) | 12 |
| Earnings | 60 (stronger) | 3 |
| Funding & liquidity | 100 (stronger) | 86 |
| Problem-loan coverage | 98 (stronger) | 81 |
| Peer percentile | 94th | 15th |
| Total assets | $111.2M | $12.4M |
| Deposits / shares | $93.1M | $10.2M |
| Capital ratio | 14.99% | 19.33% (stronger) |
| Problem loans | 0.37% (stronger) | 2.65% |
| Net charge-offs | 1.21% (stronger) | 2.79% |
| Return on assets | 1.00% (stronger) | -0.42% |
| Loans ÷ deposits | 50.0% (stronger) | 74.3% |
| Uninsured deposits | 15.6% | 4.3% (stronger) |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Carver State Bank has the higher TellerScore (89 vs 55). On the 7 directional measures above (where higher or lower is clearly better), Carver State Bank leads on 5 and Mercy Federal Credit Union on 2. 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.