Side-by-side · Q2 2026 data
Mercer Savings Bank vs Crossroads Financial Federal Credit Union
Credit union
Crossroads Financial Federal Credit Union
Portland, Indiana · $100 million – $1 billion
Metric by metric
| Measure | Mercer Savings Bank | Crossroads Financial Federal Credit Union |
|---|---|---|
| TellerScore | 78 | 100 (stronger) |
| Capital cushion | 82 | 100 (stronger) |
| Loan quality | 97 | 98 (stronger) |
| Earnings | 52 | 100 (stronger) |
| Funding & liquidity | 57 | 100 (stronger) |
| Problem-loan coverage | 99 | 100 (stronger) |
| Peer percentile | 72nd | 100th |
| Total assets | $176.2M | $102.4M |
| Deposits / shares | $146.4M | $86.4M |
| Capital ratio | 13.16% | 15.12% (stronger) |
| Problem loans | 0.08% | 0.05% (stronger) |
| Net charge-offs | 0.03% (stronger) | 0.07% |
| Return on assets | 0.79% | 2.37% (stronger) |
| Loans ÷ deposits | 103.1% | 54.4% (stronger) |
| Uninsured deposits | 6.0% | 2.2% (stronger) |
| Offices | 5 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Crossroads Financial Federal Credit Union has the higher TellerScore (100 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Mercer Savings Bank leads on 1 and Crossroads Financial Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.