Side-by-side · Q2 2026 data
Merck Employees Federal Credit Union vs Picatinny 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 | Picatinny Federal Credit Union |
|---|---|---|
| TellerScore | 86 (stronger) | 65 |
| Capital cushion | 100 (stronger) | 44 |
| Loan quality | 90 (stronger) | 77 |
| Earnings | 51 (stronger) | 40 |
| Funding & liquidity | 89 | 100 (stronger) |
| Problem-loan coverage | 99 (stronger) | 92 |
| Peer percentile | 95th | 34th |
| Total assets | $1.7B | $459.1M |
| Deposits / shares | $1.2B | $401.8M |
| Capital ratio | 15.45% (stronger) | 9.42% |
| Problem loans | 0.30% (stronger) | 0.70% |
| Net charge-offs | 0.01% (stronger) | 0.20% |
| Return on assets | 0.77% (stronger) | 0.50% |
| Loans ÷ deposits | 18.3% (stronger) | 60.0% |
| Uninsured deposits | 25.4% | 10.3% (stronger) |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 23.8% |
Merck Employees Federal Credit Union has the higher TellerScore (86 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Merck Employees Federal Credit Union leads on 6 and Picatinny Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.