Side-by-side · Q2 2026 data
Mercantile Bank vs Graco Federal Credit Union
Metric by metric
| Measure | Mercantile Bank | Graco Federal Credit Union |
|---|---|---|
| TellerScore | 73 (stronger) | 72 |
| Capital cushion | 66 (stronger) | 47 |
| Loan quality | 97 (stronger) | 81 |
| Earnings | 84 (stronger) | 65 |
| Funding & liquidity | 18 | 100 (stronger) |
| Problem-loan coverage | 99 (stronger) | 95 |
| Peer percentile | 70th | 44th |
| Total assets | $6.2B | $38.2M |
| Deposits / shares | $4.9B | $34.0M |
| Capital ratio | 11.61% (stronger) | 9.70% |
| Problem loans | 0.10% (stronger) | 0.58% |
| Net charge-offs | -0.03% (stronger) | 0.35% |
| Return on assets | 1.61% (stronger) | 1.11% |
| Loans ÷ deposits | 95.4% | 45.8% (stronger) |
| Uninsured deposits | 57.5% | 6.3% (stronger) |
| Offices | 33 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 15.2% | — |
Mercantile Bank has the higher TellerScore (73 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Mercantile Bank leads on 5 and Graco Federal Credit Union on 2. 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.