Side-by-side · Q2 2026 data
Merck Sharp & Dohme Federal Credit Union vs First Commonwealth Federal Credit Union
Credit union
Merck Sharp & Dohme Federal Credit Union
Chalfont, Pennsylvania · $1 billion – $10 billion
Credit union
First Commonwealth Federal Credit Union
Lehigh Valley, Pennsylvania · $1 billion – $10 billion
Metric by metric
| Measure | Merck Sharp & Dohme Federal Credit Union | First Commonwealth Federal Credit Union |
|---|---|---|
| TellerScore | 71 (stronger) | 56 |
| Capital cushion | 47 | 51 (stronger) |
| Loan quality | 87 (stronger) | 49 |
| Earnings | 51 (stronger) | 47 |
| Funding & liquidity | 100 (stronger) | 74 |
| Problem-loan coverage | 96 (stronger) | 76 |
| Peer percentile | 62nd | 15th |
| Total assets | $1.0B | $1.5B |
| Deposits / shares | $913.4M | $1.3B |
| Capital ratio | 9.66% | 10.12% (stronger) |
| Problem loans | 0.39% (stronger) | 1.53% |
| Net charge-offs | 0.18% (stronger) | 0.62% |
| Return on assets | 0.79% (stronger) | 0.68% |
| Loans ÷ deposits | 50.6% (stronger) | 86.1% |
| Uninsured deposits | 12.1% | 7.7% (stronger) |
| Offices | 7 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.8% | 22.2% |
Merck Sharp & Dohme Federal Credit Union has the higher TellerScore (71 vs 56). On the 7 directional measures above (where higher or lower is clearly better), Merck Sharp & Dohme Federal Credit Union leads on 5 and First Commonwealth Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.