Side-by-side · Q2 2026 data
NorthEast Community Bank vs Merck Employees Federal Credit Union
Credit union
Merck Employees Federal Credit Union
Rahway, New Jersey · $1 billion – $10 billion
Metric by metric
| Measure | NorthEast Community Bank | Merck Employees Federal Credit Union |
|---|---|---|
| TellerScore | 90 (stronger) | 86 |
| Capital cushion | 100 | 100 |
| Loan quality | 100 (stronger) | 90 |
| Earnings | 100 (stronger) | 51 |
| Funding & liquidity | 36 | 89 (stronger) |
| Problem-loan coverage | 100 (stronger) | 99 |
| Peer percentile | 99th | 95th |
| Total assets | $2.1B | $1.7B |
| Deposits / shares | $1.5B | $1.2B |
| Capital ratio | 17.32% (stronger) | 15.45% |
| Problem loans | 0.00% (stronger) | 0.30% |
| Net charge-offs | 0.06% | 0.01% (stronger) |
| Return on assets | 2.00% (stronger) | 0.77% |
| Loans ÷ deposits | 123.9% | 18.3% (stronger) |
| Uninsured deposits | 28.0% | 25.4% (stronger) |
| Offices | 12 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.5% | — |
NorthEast Community Bank has the higher TellerScore (90 vs 86). On the 7 directional measures above (where higher or lower is clearly better), NorthEast Community Bank leads on 4 and Merck Employees Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.