Side-by-side · Q2 2026 data
First Merchants Bank vs Riverside Community Federal Credit Union
Credit union
Riverside Community Federal Credit Union
Marion, Indiana · Under $100 million in assets
Metric by metric
| Measure | First Merchants Bank | Riverside Community Federal Credit Union |
|---|---|---|
| TellerScore | 58 | 79 (stronger) |
| Capital cushion | 50 | 97 (stronger) |
| Loan quality | 73 (stronger) | 62 |
| Earnings | 51 | 81 (stronger) |
| Funding & liquidity | 35 | 64 (stronger) |
| Problem-loan coverage | 91 (stronger) | 87 |
| Peer percentile | 20th | 62nd |
| Total assets | $21.3B | $59.6M |
| Deposits / shares | $16.8B | $50.8M |
| Capital ratio | 9.96% | 14.67% (stronger) |
| Problem loans | 0.82% (stronger) | 1.13% |
| Net charge-offs | 0.19% | -0.01% (stronger) |
| Return on assets | 0.78% | 1.54% (stronger) |
| Loans ÷ deposits | 91.6% (stronger) | 95.8% |
| Uninsured deposits | 45.4% | 6.2% (stronger) |
| Offices | 127 | 2 |
| CFPB complaints (3 yrs) | 86 | — |
| Complaints per $1B deposits | 5.1 | — |
| Mortgage denial rate (HMDA) | 19.8% | — |
Riverside Community Federal Credit Union has the higher TellerScore (79 vs 58). On the 7 directional measures above (where higher or lower is clearly better), First Merchants Bank leads on 2 and Riverside Community 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.