Side-by-side · Q2 2026 data
Priority One Credit Union vs Merco Credit Union
Credit union
Priority One Credit Union
South Pasadena, California · $100 million – $1 billion
Metric by metric
| Measure | Priority One Credit Union | Merco Credit Union |
|---|---|---|
| TellerScore | 87 (stronger) | 70 |
| Capital cushion | 89 (stronger) | 76 |
| Loan quality | 92 (stronger) | 55 |
| Earnings | 60 (stronger) | 53 |
| Funding & liquidity | 100 (stronger) | 93 |
| Problem-loan coverage | 98 (stronger) | 85 |
| Peer percentile | 91st | 51st |
| Total assets | $205.9M | $207.3M |
| Deposits / shares | $178.6M | $180.2M |
| Capital ratio | 13.95% (stronger) | 12.56% |
| Problem loans | 0.25% (stronger) | 1.34% |
| Net charge-offs | 0.66% (stronger) | 2.75% |
| Return on assets | 1.01% (stronger) | 0.83% |
| Loans ÷ deposits | 53.7% (stronger) | 66.8% |
| Uninsured deposits | 4.0% (stronger) | 4.7% |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 20.0% | — |
Priority One Credit Union has the higher TellerScore (87 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Priority One Credit Union leads on 7 and Merco Credit Union on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.