Side-by-side · Q2 2026 data
Merho Federal Credit Union vs Healthcare First Credit Union
Metric by metric
| Measure | Merho Federal Credit Union | Healthcare First Credit Union |
|---|---|---|
| TellerScore | 74 | 76 (stronger) |
| Capital cushion | 63 | 85 (stronger) |
| Loan quality | 66 (stronger) | 58 |
| Earnings | 68 (stronger) | 58 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 95 | 95 |
| Peer percentile | 49th | 68th |
| Total assets | $60.8M | $100.6M |
| Deposits / shares | $54.5M | $85.7M |
| Capital ratio | 11.34% | 13.49% (stronger) |
| Problem loans | 1.02% (stronger) | 1.27% |
| Net charge-offs | 0.18% (stronger) | 0.45% |
| Return on assets | 1.21% (stronger) | 0.94% |
| Loans ÷ deposits | 28.5% (stronger) | 31.6% |
| Uninsured deposits | 4.0% | 1.7% (stronger) |
| Offices | 2 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Healthcare First Credit Union has the higher TellerScore (76 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Merho Federal Credit Union leads on 4 and Healthcare First Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.