Side-by-side · Q2 2026 data
Merchants Bank, National Association vs Arcadia Credit Union
Metric by metric
| Measure | Merchants Bank, National Association | Arcadia Credit Union |
|---|---|---|
| TellerScore | 73 | 79 (stronger) |
| Capital cushion | 65 | 79 (stronger) |
| Loan quality | 82 | 85 (stronger) |
| Earnings | 69 | 71 (stronger) |
| Funding & liquidity | 67 | 70 (stronger) |
| Problem-loan coverage | 94 | 95 (stronger) |
| Peer percentile | 70th | 76th |
| Total assets | $2.9B | $144.2M |
| Deposits / shares | $2.5B | $123.7M |
| Capital ratio | 11.49% | 12.89% (stronger) |
| Problem loans | 0.53% | 0.46% (stronger) |
| Net charge-offs | 0.06% | 0.02% (stronger) |
| Return on assets | 1.23% | 1.27% (stronger) |
| Loans ÷ deposits | 81.5% (stronger) | 90.1% |
| Uninsured deposits | 25.8% | 3.8% (stronger) |
| Offices | 22 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.9% | — |
Arcadia Credit Union has the higher TellerScore (79 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Merchants Bank, National Association leads on 1 and Arcadia Credit Union on 6. 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.