Side-by-side · Q2 2026 data
Merced School Employees Federal Credit Union vs Sacramento 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 | Sacramento Credit Union |
|---|---|---|
| TellerScore | 81 | 96 (stronger) |
| Capital cushion | 68 | 100 (stronger) |
| Loan quality | 85 | 97 (stronger) |
| Earnings | 75 | 88 (stronger) |
| Funding & liquidity | 100 (stronger) | 95 |
| Problem-loan coverage | 97 | 99 (stronger) |
| Peer percentile | 80th | 99th |
| Total assets | $899.0M | $858.3M |
| Deposits / shares | $797.0M | $722.4M |
| Capital ratio | 11.76% | 15.14% (stronger) |
| Problem loans | 0.44% | 0.09% (stronger) |
| Net charge-offs | 0.61% | 0.07% (stronger) |
| Return on assets | 1.37% | 1.69% (stronger) |
| Loans ÷ deposits | 38.4% (stronger) | 65.5% |
| Uninsured deposits | 5.4% (stronger) | 12.0% |
| Offices | 8 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.9% | 28.5% |
Sacramento 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 2 and Sacramento Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.