Side-by-side · Q2 2026 data
Salem School System Credit Union vs Mercer Credit Union
Credit union
Salem School System Credit Union
Salem, Illinois · Under $100 million in assets
Metric by metric
| Measure | Salem School System Credit Union | Mercer Credit Union |
|---|---|---|
| TellerScore | 87 (stronger) | 68 |
| Capital cushion | 100 (stronger) | 99 |
| Loan quality | 100 (stronger) | 46 |
| Earnings | 68 (stronger) | 33 |
| Funding & liquidity | 56 | 80 (stronger) |
| Problem-loan coverage | 100 (stronger) | 86 |
| Peer percentile | 83rd | 36th |
| Total assets | $2.2M | $2.6M |
| Deposits / shares | $1.5M | $2.2M |
| Capital ratio | 30.85% (stronger) | 14.90% |
| Problem loans | 0.00% (stronger) | 1.61% |
| Net charge-offs | 1.92% | 0.00% (stronger) |
| Return on assets | 1.19% (stronger) | 0.32% |
| Loans ÷ deposits | 104.5% | 80.5% (stronger) |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Salem School System Credit Union has the higher TellerScore (87 vs 68). On the 6 directional measures above (where higher or lower is clearly better), Salem School System Credit Union leads on 4 and Mercer Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.