Side-by-side · Q2 2026 data
Merrick Bank vs Beckstrand and Associates Credit Union
Credit union
Beckstrand and Associates Credit Union
Salt Lake City, Utah · Under $100 million in assets
Metric by metric
| Measure | Merrick Bank | Beckstrand and Associates Credit Union |
|---|---|---|
| TellerScore | 67 | 93 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 0 | — |
| Earnings | 100 (stronger) | 74 |
| Funding & liquidity | 61 | 100 (stronger) |
| Problem-loan coverage | 79 | 100 (stronger) |
| Peer percentile | 44th | 94th |
| Total assets | $9.1B | $166K |
| Deposits / shares | $7.4B | $115 |
| Capital ratio | 16.59% | 99.93% (stronger) |
| Problem loans | 3.52% | — |
| Net charge-offs | 11.54% | — |
| Return on assets | 2.55% (stronger) | 1.35% |
| Loans ÷ deposits | 99.1% | 0.0% (stronger) |
| Uninsured deposits | 4.8% | 0.0% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Beckstrand and Associates Credit Union has the higher TellerScore (93 vs 67). On the 5 directional measures above (where higher or lower is clearly better), Merrick Bank leads on 1 and Beckstrand and Associates Credit Union on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.