Side-by-side · Q2 2026 data
Merced School Employees Federal Credit Union vs Educational Employees Credit Union
Credit union
Merced School Employees Federal Credit Union
Merced, California · $100 million – $1 billion
Credit union
Educational Employees Credit Union
Fresno, California · $1 billion – $10 billion
Metric by metric
| Measure | Merced School Employees Federal Credit Union | Educational Employees Credit Union |
|---|---|---|
| TellerScore | 81 | 96 (stronger) |
| Capital cushion | 68 | 96 (stronger) |
| Loan quality | 85 | 93 (stronger) |
| Earnings | 75 | 94 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 97 | 99 (stronger) |
| Peer percentile | 80th | 100th |
| Total assets | $899.0M | $5.4B |
| Deposits / shares | $797.0M | $4.6B |
| Capital ratio | 11.76% | 14.58% (stronger) |
| Problem loans | 0.44% | 0.20% (stronger) |
| Net charge-offs | 0.61% | 0.48% (stronger) |
| Return on assets | 1.37% | 1.84% (stronger) |
| Loans ÷ deposits | 38.4% (stronger) | 50.2% |
| Uninsured deposits | 5.4% | 3.9% (stronger) |
| Offices | 8 | 23 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.9% | 52.0% |
Educational Employees Credit Union has the higher TellerScore (96 vs 81). On the 7 directional measures above (where higher or lower is clearly better), Merced School Employees Federal Credit Union leads on 1 and Educational Employees 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.