Side-by-side · Q2 2026 data
Regional Members Federal Credit Union vs Mercy Federal Credit Union
Credit union
Regional Members Federal Credit Union
Columbus, Georgia · Under $100 million in assets
Metric by metric
| Measure | Regional Members Federal Credit Union | Mercy Federal Credit Union |
|---|---|---|
| TellerScore | 59 (stronger) | 55 |
| Capital cushion | 82 | 100 (stronger) |
| Loan quality | 44 (stronger) | 12 |
| Earnings | 0 | 3 (stronger) |
| Funding & liquidity | 99 (stronger) | 86 |
| Problem-loan coverage | 88 (stronger) | 81 |
| Peer percentile | 20th | 15th |
| Total assets | $9.6M | $12.4M |
| Deposits / shares | $8.3M | $10.2M |
| Capital ratio | 13.15% | 19.33% (stronger) |
| Problem loans | 1.68% (stronger) | 2.65% |
| Net charge-offs | 0.97% (stronger) | 2.79% |
| Return on assets | -0.67% | -0.42% (stronger) |
| Loans ÷ deposits | 60.9% (stronger) | 74.3% |
| Uninsured deposits | 2.2% (stronger) | 4.3% |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Regional Members Federal Credit Union has the higher TellerScore (59 vs 55). On the 7 directional measures above (where higher or lower is clearly better), Regional Members Federal Credit Union leads on 5 and Mercy Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.