Side-by-side · Q2 2026 data
Police & Fire Federal Credit Union vs Merck Sharp & Dohme Federal Credit Union
Credit union
Police & Fire Federal Credit Union
Philadelphia, Pennsylvania · Over $10 billion
Credit union
Merck Sharp & Dohme Federal Credit Union
Chalfont, Pennsylvania · $1 billion – $10 billion
Metric by metric
| Measure | Police & Fire Federal Credit Union | Merck Sharp & Dohme Federal Credit Union |
|---|---|---|
| TellerScore | 96 (stronger) | 71 |
| Capital cushion | 100 (stronger) | 47 |
| Loan quality | 92 (stronger) | 87 |
| Earnings | 98 (stronger) | 51 |
| Funding & liquidity | 91 | 100 (stronger) |
| Problem-loan coverage | 99 (stronger) | 96 |
| Peer percentile | 100th | 62nd |
| Total assets | $10.2B | $1.0B |
| Deposits / shares | $8.3B | $913.4M |
| Capital ratio | 18.56% (stronger) | 9.66% |
| Problem loans | 0.24% (stronger) | 0.39% |
| Net charge-offs | 0.33% | 0.18% (stronger) |
| Return on assets | 1.95% (stronger) | 0.79% |
| Loans ÷ deposits | 68.9% | 50.6% (stronger) |
| Uninsured deposits | 9.1% (stronger) | 12.1% |
| Offices | 10 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 9.8% |
Police & Fire Federal Credit Union has the higher TellerScore (96 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Police & Fire Federal Credit Union leads on 5 and Merck Sharp & Dohme Federal Credit Union on 2. 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.