Side-by-side · Q2 2026 data
Mercer Savings Bank vs Three Rivers Federal Credit Union
Metric by metric
| Measure | Mercer Savings Bank | Three Rivers Federal Credit Union |
|---|---|---|
| TellerScore | 78 | 78 |
| Capital cushion | 82 | 89 (stronger) |
| Loan quality | 97 (stronger) | 51 |
| Earnings | 52 | 97 (stronger) |
| Funding & liquidity | 57 | 72 (stronger) |
| Problem-loan coverage | 99 (stronger) | 86 |
| Peer percentile | 72nd | 84th |
| Total assets | $176.2M | $2.9B |
| Deposits / shares | $146.4M | $2.1B |
| Capital ratio | 13.16% | 13.88% (stronger) |
| Problem loans | 0.08% (stronger) | 1.47% |
| Net charge-offs | 0.03% (stronger) | 0.43% |
| Return on assets | 0.79% | 1.92% (stronger) |
| Loans ÷ deposits | 103.1% | 86.4% (stronger) |
| Uninsured deposits | 6.0% (stronger) | 16.3% |
| Offices | 5 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 16.3% |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Mercer Savings Bank leads on 3 and Three Rivers Federal Credit Union on 3. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.