Side-by-side · Q2 2026 data
Mercer Savings Bank vs Natco Credit Union
Metric by metric
| Measure | Mercer Savings Bank | Natco Credit Union |
|---|---|---|
| TellerScore | 78 | 80 (stronger) |
| Capital cushion | 82 | 100 (stronger) |
| Loan quality | 97 (stronger) | 61 |
| Earnings | 52 | 79 (stronger) |
| Funding & liquidity | 57 | 66 (stronger) |
| Problem-loan coverage | 99 (stronger) | 89 |
| Peer percentile | 72nd | 78th |
| Total assets | $176.2M | $153.7M |
| Deposits / shares | $146.4M | $128.3M |
| Capital ratio | 13.16% | 17.26% (stronger) |
| Problem loans | 0.08% (stronger) | 1.18% |
| Net charge-offs | 0.03% (stronger) | 0.70% |
| Return on assets | 0.79% | 1.47% (stronger) |
| Loans ÷ deposits | 103.1% | 94.1% (stronger) |
| Uninsured deposits | 6.0% | 2.2% (stronger) |
| Offices | 5 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Natco Credit Union has the higher TellerScore (80 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Mercer Savings Bank leads on 2 and Natco Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.