Side-by-side · Q2 2026 data
Clearpath Federal Credit Union vs Merco Credit Union
Metric by metric
| Measure | Clearpath Federal Credit Union | Merco Credit Union |
|---|---|---|
| TellerScore | 55 | 70 (stronger) |
| Capital cushion | 35 | 76 (stronger) |
| Loan quality | 91 (stronger) | 55 |
| Earnings | 12 | 53 (stronger) |
| Funding & liquidity | 65 | 93 (stronger) |
| Problem-loan coverage | 92 (stronger) | 85 |
| Peer percentile | 12th | 51st |
| Total assets | $228.6M | $207.3M |
| Deposits / shares | $204.2M | $180.2M |
| Capital ratio | 8.46% | 12.56% (stronger) |
| Problem loans | 0.28% (stronger) | 1.34% |
| Net charge-offs | 0.36% (stronger) | 2.75% |
| Return on assets | -0.19% | 0.83% (stronger) |
| Loans ÷ deposits | 95.2% | 66.8% (stronger) |
| Uninsured deposits | 0.8% (stronger) | 4.7% |
| Offices | 0 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Merco Credit Union has the higher TellerScore (70 vs 55). On the 7 directional measures above (where higher or lower is clearly better), Clearpath Federal Credit Union leads on 3 and Merco Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.