Side-by-side · Q2 2026 data
Mercantile Bank vs Allegheny Central Federal Credit Union
Credit union
Allegheny Central Federal Credit Union
Dunbar, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | Mercantile Bank | Allegheny Central Federal Credit Union |
|---|---|---|
| TellerScore | 73 | 95 (stronger) |
| Capital cushion | 66 | 100 (stronger) |
| Loan quality | 97 (stronger) | 94 |
| Earnings | 84 | 95 (stronger) |
| Funding & liquidity | 18 | 85 (stronger) |
| Problem-loan coverage | 99 | 99 |
| Peer percentile | 70th | 96th |
| Total assets | $6.2B | $8.2M |
| Deposits / shares | $4.9B | $6.4M |
| Capital ratio | 11.61% | 20.81% (stronger) |
| Problem loans | 0.10% (stronger) | 0.18% |
| Net charge-offs | -0.03% (stronger) | -0.01% |
| Return on assets | 1.61% | 1.87% (stronger) |
| Loans ÷ deposits | 95.4% | 75.6% (stronger) |
| Uninsured deposits | 57.5% | 0.1% (stronger) |
| Offices | 33 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 15.2% | — |
Allegheny Central Federal Credit Union has the higher TellerScore (95 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Mercantile Bank leads on 2 and Allegheny Central 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.