Side-by-side · Q2 2026 data
Meritrust Credit Union vs Westerra Credit Union
Metric by metric
| Measure | Meritrust Credit Union | Westerra Credit Union |
|---|---|---|
| TellerScore | 54 | 65 (stronger) |
| Capital cushion | 31 | 53 (stronger) |
| Loan quality | 84 (stronger) | 83 |
| Earnings | 27 | 39 (stronger) |
| Funding & liquidity | 67 | 75 (stronger) |
| Problem-loan coverage | 87 | 93 (stronger) |
| Peer percentile | 11th | 41st |
| Total assets | $4.1B | $2.1B |
| Deposits / shares | $3.5B | $1.7B |
| Capital ratio | 8.13% | 10.30% (stronger) |
| Problem loans | 0.48% (stronger) | 0.50% |
| Net charge-offs | 0.52% (stronger) | 0.94% |
| Return on assets | 0.17% | 0.47% (stronger) |
| Loans ÷ deposits | 93.7% | 85.1% (stronger) |
| Uninsured deposits | 10.4% | 9.5% (stronger) |
| Offices | 33 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 29.1% |
Westerra Credit Union has the higher TellerScore (65 vs 54). On the 7 directional measures above (where higher or lower is clearly better), Meritrust Credit Union leads on 2 and Westerra Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.