Side-by-side · Q2 2026 data
Peapack Private Bank & Trust vs Merck Employees Federal Credit Union
Credit union
Merck Employees Federal Credit Union
Rahway, New Jersey · $1 billion – $10 billion
Metric by metric
| Measure | Peapack Private Bank & Trust | Merck Employees Federal Credit Union |
|---|---|---|
| TellerScore | 53 | 86 (stronger) |
| Capital cushion | 40 | 100 (stronger) |
| Loan quality | 64 | 90 (stronger) |
| Earnings | 54 (stronger) | 51 |
| Funding & liquidity | 43 | 89 (stronger) |
| Problem-loan coverage | 81 | 99 (stronger) |
| Peer percentile | 11th | 95th |
| Total assets | $8.0B | $1.7B |
| Deposits / shares | $7.1B | $1.2B |
| Capital ratio | 8.96% | 15.45% (stronger) |
| Problem loans | 1.07% | 0.30% (stronger) |
| Net charge-offs | 0.53% | 0.01% (stronger) |
| Return on assets | 0.84% (stronger) | 0.77% |
| Loans ÷ deposits | 93.6% | 18.3% (stronger) |
| Uninsured deposits | 36.4% | 25.4% (stronger) |
| Offices | 18 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.3% | — |
Merck Employees Federal Credit Union has the higher TellerScore (86 vs 53). On the 7 directional measures above (where higher or lower is clearly better), Peapack Private Bank & Trust leads on 1 and Merck Employees Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.