Side-by-side · Q2 2026 data
Service Plus Credit Union vs Mercer Credit Union
Metric by metric
| Measure | Service Plus Credit Union | Mercer Credit Union |
|---|---|---|
| TellerScore | 81 (stronger) | 68 |
| Capital cushion | 73 | 99 (stronger) |
| Loan quality | 85 (stronger) | 46 |
| Earnings | 65 (stronger) | 33 |
| Funding & liquidity | 100 (stronger) | 80 |
| Problem-loan coverage | 96 (stronger) | 86 |
| Peer percentile | 68th | 36th |
| Total assets | $34.7M | $2.6M |
| Deposits / shares | $30.4M | $2.2M |
| Capital ratio | 12.29% | 14.90% (stronger) |
| Problem loans | 0.46% (stronger) | 1.61% |
| Net charge-offs | 0.55% | 0.00% (stronger) |
| Return on assets | 1.12% (stronger) | 0.32% |
| Loans ÷ deposits | 59.5% (stronger) | 80.5% |
| Uninsured deposits | 2.8% | 0.0% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Service Plus Credit Union has the higher TellerScore (81 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Service Plus Credit Union leads on 4 and Mercer Credit Union on 3. 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.