Side-by-side · Q2 2026 data
Merck Sharp & Dohme Federal Credit Union vs Freedom Credit Union
Credit union
Merck Sharp & Dohme Federal Credit Union
Chalfont, Pennsylvania · $1 billion – $10 billion
Metric by metric
| Measure | Merck Sharp & Dohme Federal Credit Union | Freedom Credit Union |
|---|---|---|
| TellerScore | 71 | 79 (stronger) |
| Capital cushion | 47 | 84 (stronger) |
| Loan quality | 87 (stronger) | 73 |
| Earnings | 51 | 58 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 96 (stronger) | 94 |
| Peer percentile | 62nd | 86th |
| Total assets | $1.0B | $1.5B |
| Deposits / shares | $913.4M | $1.3B |
| Capital ratio | 9.66% | 13.37% (stronger) |
| Problem loans | 0.39% (stronger) | 0.81% |
| Net charge-offs | 0.18% (stronger) | 0.69% |
| Return on assets | 0.79% | 0.96% (stronger) |
| Loans ÷ deposits | 50.6% (stronger) | 59.9% |
| Uninsured deposits | 12.1% | 9.9% (stronger) |
| Offices | 7 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.8% | — |
Freedom Credit Union has the higher TellerScore (79 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Merck Sharp & Dohme Federal Credit Union leads on 3 and Freedom Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.