Side-by-side · Q2 2026 data
Oak Valley Community Bank vs Merced School Employees Federal Credit Union
Credit union
Merced School Employees Federal Credit Union
Merced, California · $100 million – $1 billion
Metric by metric
| Measure | Oak Valley Community Bank | Merced School Employees Federal Credit Union |
|---|---|---|
| TellerScore | 76 | 81 (stronger) |
| Capital cushion | 65 | 68 (stronger) |
| Loan quality | 100 (stronger) | 85 |
| Earnings | 64 | 75 (stronger) |
| Funding & liquidity | 59 | 100 (stronger) |
| Problem-loan coverage | 98 (stronger) | 97 |
| Peer percentile | 80th | 80th |
| Total assets | $2.0B | $899.0M |
| Deposits / shares | $1.8B | $797.0M |
| Capital ratio | 11.48% | 11.76% (stronger) |
| Problem loans | 0.00% (stronger) | 0.44% |
| Net charge-offs | 0.31% (stronger) | 0.61% |
| Return on assets | 1.11% | 1.37% (stronger) |
| Loans ÷ deposits | 65.3% | 38.4% (stronger) |
| Uninsured deposits | 46.9% | 5.4% (stronger) |
| Offices | 20 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 8.9% |
Merced School Employees Federal Credit Union has the higher TellerScore (81 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Oak Valley Community Bank leads on 2 and Merced School Employees Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.