Side-by-side · Q2 2026 data
Merced School Employees Federal Credit Union vs Valley First Federal 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 | Valley First Federal Credit Union |
|---|---|---|
| TellerScore | 81 (stronger) | 62 |
| Capital cushion | 68 (stronger) | 48 |
| Loan quality | 85 (stronger) | 76 |
| Earnings | 75 (stronger) | 43 |
| Funding & liquidity | 100 (stronger) | 71 |
| Problem-loan coverage | 97 (stronger) | 89 |
| Peer percentile | 80th | 30th |
| Total assets | $899.0M | $1.1B |
| Deposits / shares | $797.0M | $925.8M |
| Capital ratio | 11.76% (stronger) | 9.81% |
| Problem loans | 0.44% (stronger) | 0.71% |
| Net charge-offs | 0.61% (stronger) | 1.07% |
| Return on assets | 1.37% (stronger) | 0.57% |
| Loans ÷ deposits | 38.4% (stronger) | 89.7% |
| Uninsured deposits | 5.4% (stronger) | 5.6% |
| 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 62). On the 7 directional measures above (where higher or lower is clearly better), Merced School Employees Federal Credit Union leads on 7 and Valley First Federal Credit Union on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.