Side-by-side · Q2 2026 data
Merced School Employees Federal Credit Union vs Certified Federal Credit Union
Credit union
Merced School Employees Federal Credit Union
Merced, California · $100 million – $1 billion
Credit union
Certified Federal Credit Union
El Monte, California · $100 million – $1 billion
Metric by metric
| Measure | Merced School Employees Federal Credit Union | Certified Federal Credit Union |
|---|---|---|
| TellerScore | 81 | 88 (stronger) |
| Capital cushion | 68 | 100 (stronger) |
| Loan quality | 85 | 88 (stronger) |
| Earnings | 75 (stronger) | 70 |
| Funding & liquidity | 100 (stronger) | 79 |
| Problem-loan coverage | 97 | 97 |
| Peer percentile | 80th | 92nd |
| Total assets | $899.0M | $925.3M |
| Deposits / shares | $797.0M | $723.9M |
| Capital ratio | 11.76% | 20.71% (stronger) |
| Problem loans | 0.44% | 0.37% (stronger) |
| Net charge-offs | 0.61% (stronger) | 0.97% |
| Return on assets | 1.37% (stronger) | 1.24% |
| Loans ÷ deposits | 38.4% (stronger) | 80.9% |
| Uninsured deposits | 5.4% (stronger) | 9.9% |
| Offices | 8 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.9% | — |
Certified Federal Credit Union has the higher TellerScore (88 vs 81). On the 7 directional measures above (where higher or lower is clearly better), Merced School Employees Federal Credit Union leads on 4 and Certified Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.