Side-by-side · Q2 2026 data
Merck Employees Federal Credit Union vs Vah Lyons Employees Federal Credit Union
Credit union
Merck Employees Federal Credit Union
Rahway, New Jersey · $1 billion – $10 billion
Credit union
Vah Lyons Employees Federal Credit Union
Lyons, New Jersey · Under $100 million in assets
Metric by metric
| Measure | Merck Employees Federal Credit Union | Vah Lyons Employees Federal Credit Union |
|---|---|---|
| TellerScore | 86 (stronger) | 72 |
| Capital cushion | 100 | 100 |
| Loan quality | 90 (stronger) | 58 |
| Earnings | 51 (stronger) | 14 |
| Funding & liquidity | 89 | 100 (stronger) |
| Problem-loan coverage | 99 (stronger) | 97 |
| Peer percentile | 95th | 44th |
| Total assets | $1.7B | $26.6M |
| Deposits / shares | $1.2B | $22.4M |
| Capital ratio | 15.45% | 17.57% (stronger) |
| Problem loans | 0.30% (stronger) | 1.25% |
| Net charge-offs | 0.01% (stronger) | 0.28% |
| Return on assets | 0.77% (stronger) | -0.15% |
| Loans ÷ deposits | 18.3% (stronger) | 21.7% |
| Uninsured deposits | 25.4% | 14.6% (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 72). On the 7 directional measures above (where higher or lower is clearly better), Merck Employees Federal Credit Union leads on 5 and Vah Lyons Employees Federal Credit Union on 2. 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.