Side-by-side · Q2 2026 data
Merchants Bank, National Association vs Altra Federal Credit Union
Metric by metric
| Measure | Merchants Bank, National Association | Altra Federal Credit Union |
|---|---|---|
| TellerScore | 73 | 78 (stronger) |
| Capital cushion | 65 | 77 (stronger) |
| Loan quality | 82 | 85 (stronger) |
| Earnings | 69 | 86 (stronger) |
| Funding & liquidity | 67 (stronger) | 50 |
| Problem-loan coverage | 94 (stronger) | 93 |
| Peer percentile | 70th | 84th |
| Total assets | $2.9B | $3.1B |
| Deposits / shares | $2.5B | $2.6B |
| Capital ratio | 11.49% | 12.68% (stronger) |
| Problem loans | 0.53% | 0.46% (stronger) |
| Net charge-offs | 0.06% (stronger) | 0.50% |
| Return on assets | 1.23% | 1.66% (stronger) |
| Loans ÷ deposits | 81.5% (stronger) | 109.8% |
| Uninsured deposits | 25.8% | 14.2% (stronger) |
| Offices | 22 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.9% | 9.3% |
Altra Federal Credit Union has the higher TellerScore (78 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Merchants Bank, National Association leads on 2 and Altra Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Winona, MN
- Onalaska, WI
- La Crescent, MN