Side-by-side · Q2 2026 data
Central Keystone Federal Credit Union vs Merho Federal Credit Union
Credit union
Central Keystone Federal Credit Union
Sunbury, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | Central Keystone Federal Credit Union | Merho Federal Credit Union |
|---|---|---|
| TellerScore | 87 (stronger) | 74 |
| Capital cushion | 100 (stronger) | 63 |
| Loan quality | 76 (stronger) | 66 |
| Earnings | 68 | 68 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 97 (stronger) | 95 |
| Peer percentile | 83rd | 49th |
| Total assets | $63.8M | $60.8M |
| Deposits / shares | $51.3M | $54.5M |
| Capital ratio | 18.82% (stronger) | 11.34% |
| Problem loans | 0.72% (stronger) | 1.02% |
| Net charge-offs | 0.17% (stronger) | 0.18% |
| Return on assets | 1.20% | 1.21% (stronger) |
| Loans ÷ deposits | 51.6% | 28.5% (stronger) |
| Uninsured deposits | 6.7% | 4.0% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Central Keystone Federal Credit Union has the higher TellerScore (87 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Central Keystone Federal Credit Union leads on 4 and Merho Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.