Side-by-side · Q2 2026 data
Merced School Employees Federal Credit Union vs Sun Community Federal Credit Union
Credit union
Merced School Employees Federal Credit Union
Merced, California · $100 million – $1 billion
Credit union
Sun Community Federal Credit Union
El Centro, California · $100 million – $1 billion
Metric by metric
| Measure | Merced School Employees Federal Credit Union | Sun Community Federal Credit Union |
|---|---|---|
| TellerScore | 81 (stronger) | 56 |
| Capital cushion | 68 (stronger) | 34 |
| Loan quality | 85 | 92 (stronger) |
| Earnings | 75 (stronger) | 10 |
| Funding & liquidity | 100 (stronger) | 73 |
| Problem-loan coverage | 97 (stronger) | 94 |
| Peer percentile | 80th | 13th |
| Total assets | $899.0M | $895.6M |
| Deposits / shares | $797.0M | $803.4M |
| Capital ratio | 11.76% (stronger) | 8.40% |
| Problem loans | 0.44% | 0.25% (stronger) |
| Net charge-offs | 0.61% (stronger) | 1.73% |
| Return on assets | 1.37% (stronger) | -0.25% |
| Loans ÷ deposits | 38.4% (stronger) | 84.3% |
| Uninsured deposits | 5.4% (stronger) | 17.8% |
| Offices | 8 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.9% | 5.3% |
Merced School Employees Federal Credit Union has the higher TellerScore (81 vs 56). On the 7 directional measures above (where higher or lower is clearly better), Merced School Employees Federal Credit Union leads on 6 and Sun Community Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.