Side-by-side · Q2 2026 data
First Merchants Bank vs Via Credit Union
Metric by metric
| Measure | First Merchants Bank | Via Credit Union |
|---|---|---|
| TellerScore | 58 | 76 (stronger) |
| Capital cushion | 50 | 82 (stronger) |
| Loan quality | 73 | 79 (stronger) |
| Earnings | 51 | 55 (stronger) |
| Funding & liquidity | 35 | 73 (stronger) |
| Problem-loan coverage | 91 | 93 (stronger) |
| Peer percentile | 20th | 68th |
| Total assets | $21.3B | $604.4M |
| Deposits / shares | $16.8B | $517.8M |
| Capital ratio | 9.96% | 13.18% (stronger) |
| Problem loans | 0.82% | 0.62% (stronger) |
| Net charge-offs | 0.19% (stronger) | 0.46% |
| Return on assets | 0.78% | 0.87% (stronger) |
| Loans ÷ deposits | 91.6% | 87.4% (stronger) |
| Uninsured deposits | 45.4% | 8.4% (stronger) |
| Offices | 127 | 6 |
| CFPB complaints (3 yrs) | 86 | — |
| Complaints per $1B deposits | 5.1 | — |
| Mortgage denial rate (HMDA) | 19.8% | — |
Via Credit Union has the higher TellerScore (76 vs 58). On the 7 directional measures above (where higher or lower is clearly better), First Merchants Bank leads on 1 and Via Credit Union on 6. 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.