Side-by-side · Q2 2026 data
N.I.C.E. Federal Credit Union vs Mercer Credit Union
Metric by metric
| Measure | N.I.C.E. Federal Credit Union | Mercer Credit Union |
|---|---|---|
| TellerScore | 62 | 68 (stronger) |
| Capital cushion | 24 | 99 (stronger) |
| Loan quality | 100 (stronger) | 46 |
| Earnings | 28 | 33 (stronger) |
| Funding & liquidity | 92 (stronger) | 80 |
| Problem-loan coverage | 100 (stronger) | 86 |
| Peer percentile | 24th | 36th |
| Total assets | $2.6M | $2.6M |
| Deposits / shares | $2.4M | $2.2M |
| Capital ratio | 7.37% | 14.90% (stronger) |
| Problem loans | 0.00% (stronger) | 1.61% |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 0.20% | 0.32% (stronger) |
| Loans ÷ deposits | 68.4% (stronger) | 80.5% |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Mercer Credit Union has the higher TellerScore (68 vs 62). On the 5 directional measures above (where higher or lower is clearly better), N.I.C.E. Federal Credit Union leads on 2 and Mercer Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.