Side-by-side · Q2 2026 data
First Merchants Bank vs Eastern Indiana Federal Credit Union
Credit union
Eastern Indiana Federal Credit Union
New Castle, Indiana · Under $100 million in assets
Metric by metric
| Measure | First Merchants Bank | Eastern Indiana Federal Credit Union |
|---|---|---|
| TellerScore | 58 | 84 (stronger) |
| Capital cushion | 50 | 85 (stronger) |
| Loan quality | 73 (stronger) | 65 |
| Earnings | 51 | 89 (stronger) |
| Funding & liquidity | 35 | 100 (stronger) |
| Problem-loan coverage | 91 | 93 (stronger) |
| Peer percentile | 20th | 75th |
| Total assets | $21.3B | $44.4M |
| Deposits / shares | $16.8B | $38.2M |
| Capital ratio | 9.96% | 13.49% (stronger) |
| Problem loans | 0.82% (stronger) | 1.05% |
| Net charge-offs | 0.19% (stronger) | 0.44% |
| Return on assets | 0.78% | 1.72% (stronger) |
| Loans ÷ deposits | 91.6% | 53.6% (stronger) |
| Uninsured deposits | 45.4% | 1.3% (stronger) |
| Offices | 127 | 1 |
| CFPB complaints (3 yrs) | 86 | — |
| Complaints per $1B deposits | 5.1 | — |
| Mortgage denial rate (HMDA) | 19.8% | — |
Eastern Indiana Federal Credit Union has the higher TellerScore (84 vs 58). On the 7 directional measures above (where higher or lower is clearly better), First Merchants Bank leads on 2 and Eastern Indiana Federal Credit Union on 5. 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.