Side-by-side · Q2 2026 data
Skyone Federal Credit Union vs Merced School Employees Federal Credit Union
Credit union
Skyone Federal Credit Union
Hawthorne, California · $100 million – $1 billion
Credit union
Merced School Employees Federal Credit Union
Merced, California · $100 million – $1 billion
Metric by metric
| Measure | Skyone Federal Credit Union | Merced School Employees Federal Credit Union |
|---|---|---|
| TellerScore | 47 | 81 (stronger) |
| Capital cushion | 27 | 68 (stronger) |
| Loan quality | 58 | 85 (stronger) |
| Earnings | 29 | 75 (stronger) |
| Funding & liquidity | 75 | 100 (stronger) |
| Problem-loan coverage | 73 | 97 (stronger) |
| Peer percentile | 4th | 80th |
| Total assets | $863.3M | $899.0M |
| Deposits / shares | $732.3M | $797.0M |
| Capital ratio | 7.67% | 11.76% (stronger) |
| Problem loans | 1.25% | 0.44% (stronger) |
| Net charge-offs | 0.74% | 0.61% (stronger) |
| Return on assets | 0.23% | 1.37% (stronger) |
| Loans ÷ deposits | 85.0% | 38.4% (stronger) |
| Uninsured deposits | 2.9% (stronger) | 5.4% |
| Offices | 1 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 20.5% | 8.9% |
Merced School Employees Federal Credit Union has the higher TellerScore (81 vs 47). On the 7 directional measures above (where higher or lower is clearly better), Skyone Federal Credit Union leads on 1 and Merced School Employees Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.