Side-by-side · Q2 2026 data
Educational Employees Credit Union vs Merco Credit Union
Credit union
Educational Employees Credit Union
Fresno, California · $1 billion – $10 billion
Metric by metric
| Measure | Educational Employees Credit Union | Merco Credit Union |
|---|---|---|
| TellerScore | 96 (stronger) | 70 |
| Capital cushion | 96 (stronger) | 76 |
| Loan quality | 93 (stronger) | 55 |
| Earnings | 94 (stronger) | 53 |
| Funding & liquidity | 100 (stronger) | 93 |
| Problem-loan coverage | 99 (stronger) | 85 |
| Peer percentile | 100th | 51st |
| Total assets | $5.4B | $207.3M |
| Deposits / shares | $4.6B | $180.2M |
| Capital ratio | 14.58% (stronger) | 12.56% |
| Problem loans | 0.20% (stronger) | 1.34% |
| Net charge-offs | 0.48% (stronger) | 2.75% |
| Return on assets | 1.84% (stronger) | 0.83% |
| Loans ÷ deposits | 50.2% (stronger) | 66.8% |
| Uninsured deposits | 3.9% (stronger) | 4.7% |
| Offices | 23 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 52.0% | — |
Educational Employees Credit Union has the higher TellerScore (96 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Educational Employees Credit Union leads on 7 and Merco Credit Union on 0. 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.