Side-by-side · Q2 2026 data
Schools Federal Credit Union vs Merco Credit Union
Metric by metric
| Measure | Schools Federal Credit Union | Merco Credit Union |
|---|---|---|
| TellerScore | 74 (stronger) | 70 |
| Capital cushion | 69 | 76 (stronger) |
| Loan quality | 84 (stronger) | 55 |
| Earnings | 39 | 53 (stronger) |
| Funding & liquidity | 100 (stronger) | 93 |
| Problem-loan coverage | 96 (stronger) | 85 |
| Peer percentile | 63rd | 51st |
| Total assets | $195.7M | $207.3M |
| Deposits / shares | $170.5M | $180.2M |
| Capital ratio | 11.91% | 12.56% (stronger) |
| Problem loans | 0.48% (stronger) | 1.34% |
| Net charge-offs | 0.63% (stronger) | 2.75% |
| Return on assets | 0.47% | 0.83% (stronger) |
| Loans ÷ deposits | 54.9% (stronger) | 66.8% |
| Uninsured deposits | 8.4% | 4.7% (stronger) |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Schools Federal Credit Union has the higher TellerScore (74 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Schools Federal Credit Union leads on 4 and Merco Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.