Side-by-side · Q2 2026 data
Merck Employees Federal Credit Union vs Mosaic Federal Credit Union
Credit union
Merck Employees Federal Credit Union
Rahway, New Jersey · $1 billion – $10 billion
Metric by metric
| Measure | Merck Employees Federal Credit Union | Mosaic Federal Credit Union |
|---|---|---|
| TellerScore | 86 (stronger) | 39 |
| Capital cushion | 100 (stronger) | 34 |
| Loan quality | 90 (stronger) | 26 |
| Earnings | 51 (stronger) | 21 |
| Funding & liquidity | 89 (stronger) | 80 |
| Problem-loan coverage | 99 (stronger) | 61 |
| Peer percentile | 95th | 3rd |
| Total assets | $1.7B | $8.8M |
| Deposits / shares | $1.2B | $8.0M |
| Capital ratio | 15.45% (stronger) | 8.39% |
| Problem loans | 0.30% (stronger) | 2.21% |
| Net charge-offs | 0.01% (stronger) | 0.77% |
| Return on assets | 0.77% (stronger) | 0.02% |
| Loans ÷ deposits | 18.3% (stronger) | 80.6% |
| Uninsured deposits | 25.4% | 0.0% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Merck Employees Federal Credit Union has the higher TellerScore (86 vs 39). On the 7 directional measures above (where higher or lower is clearly better), Merck Employees Federal Credit Union leads on 6 and Mosaic Federal Credit Union on 1. 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.