Side-by-side · Q2 2026 data
Farmers & Merchants Bank vs Merck Employees Federal Credit Union
Credit union
Merck Employees Federal Credit Union
Rahway, New Jersey · $1 billion – $10 billion
Metric by metric
| Measure | Farmers & Merchants Bank | Merck Employees Federal Credit Union |
|---|---|---|
| TellerScore | 70 | 86 (stronger) |
| Capital cushion | 41 | 100 (stronger) |
| Loan quality | 86 | 90 (stronger) |
| Earnings | 70 (stronger) | 51 |
| Funding & liquidity | 88 | 89 (stronger) |
| Problem-loan coverage | 94 | 99 (stronger) |
| Peer percentile | 58th | 95th |
| Total assets | $1.4B | $1.7B |
| Deposits / shares | $1.3B | $1.2B |
| Capital ratio | 9.10% | 15.45% (stronger) |
| Problem loans | 0.43% | 0.30% (stronger) |
| Net charge-offs | 0.07% | 0.01% (stronger) |
| Return on assets | 1.24% (stronger) | 0.77% |
| Loans ÷ deposits | 72.6% | 18.3% (stronger) |
| Uninsured deposits | 14.1% (stronger) | 25.4% |
| Offices | 16 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.6% | — |
Merck Employees Federal Credit Union has the higher TellerScore (86 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Farmers & Merchants Bank leads on 2 and Merck Employees Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Elkton, VA