Side-by-side · Q2 2026 data
Merchants Bank vs Richland Federal Credit Union
Metric by metric
| Measure | Merchants Bank | Richland Federal Credit Union |
|---|---|---|
| TellerScore | 65 | 92 (stronger) |
| Capital cushion | 56 | 99 (stronger) |
| Loan quality | 58 | 95 (stronger) |
| Earnings | 80 (stronger) | 70 |
| Funding & liquidity | 65 | 100 (stronger) |
| Problem-loan coverage | 83 | 99 (stronger) |
| Peer percentile | 29th | 97th |
| Total assets | $254.3M | $118.9M |
| Deposits / shares | $223.4M | $101.1M |
| Capital ratio | 10.56% | 14.92% (stronger) |
| Problem loans | 1.25% | 0.14% (stronger) |
| Net charge-offs | 0.08% (stronger) | 0.09% |
| Return on assets | 1.50% (stronger) | 1.24% |
| Loans ÷ deposits | 84.3% | 43.5% (stronger) |
| Uninsured deposits | 24.9% | 7.5% (stronger) |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Richland Federal Credit Union has the higher TellerScore (92 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Merchants Bank leads on 2 and Richland Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.