Side-by-side · Q2 2026 data
Merced School Employees Federal Credit Union vs First City Credit Union
Credit union
Merced School Employees Federal Credit Union
Merced, California · $100 million – $1 billion
Metric by metric
| Measure | Merced School Employees Federal Credit Union | First City Credit Union |
|---|---|---|
| TellerScore | 81 (stronger) | 78 |
| Capital cushion | 68 | 85 (stronger) |
| Loan quality | 85 (stronger) | 81 |
| Earnings | 75 (stronger) | 38 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 97 (stronger) | 96 |
| Peer percentile | 80th | 74th |
| Total assets | $899.0M | $948.5M |
| Deposits / shares | $797.0M | $816.2M |
| Capital ratio | 11.76% | 13.52% (stronger) |
| Problem loans | 0.44% (stronger) | 0.58% |
| Net charge-offs | 0.61% (stronger) | 0.65% |
| Return on assets | 1.37% (stronger) | 0.44% |
| Loans ÷ deposits | 38.4% (stronger) | 57.0% |
| Uninsured deposits | 5.4% (stronger) | 11.5% |
| Offices | 8 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.9% | — |
Merced School Employees Federal Credit Union has the higher TellerScore (81 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Merced School Employees Federal Credit Union leads on 6 and First City Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.