Side-by-side · Q2 2026 data
Somerset Regal Bank vs Merck Employees Federal Credit Union
Credit union
Merck Employees Federal Credit Union
Rahway, New Jersey · $1 billion – $10 billion
Metric by metric
| Measure | Somerset Regal Bank | Merck Employees Federal Credit Union |
|---|---|---|
| TellerScore | 76 | 86 (stronger) |
| Capital cushion | 88 | 100 (stronger) |
| Loan quality | 100 (stronger) | 90 |
| Earnings | 33 | 51 (stronger) |
| Funding & liquidity | 56 | 89 (stronger) |
| Problem-loan coverage | 100 (stronger) | 99 |
| Peer percentile | 80th | 95th |
| Total assets | $1.2B | $1.7B |
| Deposits / shares | $925.1M | $1.2B |
| Capital ratio | 13.81% | 15.45% (stronger) |
| Problem loans | 0.00% (stronger) | 0.30% |
| Net charge-offs | 0.00% (stronger) | 0.01% |
| Return on assets | 0.34% | 0.77% (stronger) |
| Loans ÷ deposits | 97.4% | 18.3% (stronger) |
| Uninsured deposits | 20.7% (stronger) | 25.4% |
| Offices | 14 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.8% | — |
Merck Employees Federal Credit Union has the higher TellerScore (86 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Somerset Regal Bank leads on 3 and Merck Employees Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.