Side-by-side · Q2 2026 data
Merced School Employees Federal Credit Union vs Rolling F 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 | Rolling F Credit Union |
|---|---|---|
| TellerScore | 81 (stronger) | 75 |
| Capital cushion | 68 | 70 (stronger) |
| Loan quality | 85 (stronger) | 73 |
| Earnings | 75 (stronger) | 56 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 97 (stronger) | 93 |
| Peer percentile | 80th | 52nd |
| Total assets | $899.0M | $63.9M |
| Deposits / shares | $797.0M | $56.1M |
| Capital ratio | 11.76% | 11.96% (stronger) |
| Problem loans | 0.44% (stronger) | 0.80% |
| Net charge-offs | 0.61% | -0.08% (stronger) |
| Return on assets | 1.37% (stronger) | 0.91% |
| Loans ÷ deposits | 38.4% (stronger) | 59.5% |
| Uninsured deposits | 5.4% (stronger) | 8.8% |
| Offices | 8 | 2 |
| 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 75). On the 7 directional measures above (where higher or lower is clearly better), Merced School Employees Federal Credit Union leads on 5 and Rolling F 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.