Side-by-side · Q2 2026 data
Community West Bank vs Merco Credit Union
Metric by metric
| Measure | Community West Bank | Merco Credit Union |
|---|---|---|
| TellerScore | 67 | 70 (stronger) |
| Capital cushion | 60 | 76 (stronger) |
| Loan quality | 81 (stronger) | 55 |
| Earnings | 55 (stronger) | 53 |
| Funding & liquidity | 56 | 93 (stronger) |
| Problem-loan coverage | 92 (stronger) | 85 |
| Peer percentile | 44th | 51st |
| Total assets | $5.0B | $207.3M |
| Deposits / shares | $4.1B | $180.2M |
| Capital ratio | 10.97% | 12.56% (stronger) |
| Problem loans | 0.56% (stronger) | 1.34% |
| Net charge-offs | 0.38% (stronger) | 2.75% |
| Return on assets | 0.88% (stronger) | 0.83% |
| Loans ÷ deposits | 84.7% | 66.8% (stronger) |
| Uninsured deposits | 32.6% | 4.7% (stronger) |
| Offices | 37 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Merco Credit Union has the higher TellerScore (70 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Community West Bank leads on 3 and Merco Credit Union on 4. 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.