Side-by-side · Q2 2026 data
Merck Sharp & Dohme Federal Credit Union vs People First Federal Credit Union
Credit union
Merck Sharp & Dohme Federal Credit Union
Chalfont, Pennsylvania · $1 billion – $10 billion
Credit union
People First Federal Credit Union
Allentown, Pennsylvania · $1 billion – $10 billion
Metric by metric
| Measure | Merck Sharp & Dohme Federal Credit Union | People First Federal Credit Union |
|---|---|---|
| TellerScore | 71 (stronger) | 51 |
| Capital cushion | 47 (stronger) | 26 |
| Loan quality | 87 (stronger) | 63 |
| Earnings | 51 (stronger) | 34 |
| Funding & liquidity | 100 (stronger) | 82 |
| Problem-loan coverage | 96 (stronger) | 79 |
| Peer percentile | 62nd | 7th |
| Total assets | $1.0B | $1.0B |
| Deposits / shares | $913.4M | $968.2M |
| Capital ratio | 9.66% (stronger) | 7.59% |
| Problem loans | 0.39% (stronger) | 1.10% |
| Net charge-offs | 0.18% (stronger) | 0.57% |
| Return on assets | 0.79% (stronger) | 0.36% |
| Loans ÷ deposits | 50.6% (stronger) | 78.0% |
| Uninsured deposits | 12.1% | 3.5% (stronger) |
| Offices | 7 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.8% | 33.7% |
Merck Sharp & Dohme Federal Credit Union has the higher TellerScore (71 vs 51). On the 7 directional measures above (where higher or lower is clearly better), Merck Sharp & Dohme Federal Credit Union leads on 6 and People First Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.