Side-by-side · Q2 2026 data
The Commercial Bank vs Meridian Mutual Federal Credit Union
Credit union
Meridian Mutual Federal Credit Union
Meridian, Mississippi · Under $100 million in assets
Metric by metric
| Measure | The Commercial Bank | Meridian Mutual Federal Credit Union |
|---|---|---|
| TellerScore | 72 (stronger) | 71 |
| Capital cushion | 56 | 74 (stronger) |
| Loan quality | 92 (stronger) | 60 |
| Earnings | 56 (stronger) | 48 |
| Funding & liquidity | 75 | 100 (stronger) |
| Problem-loan coverage | 95 (stronger) | 91 |
| Peer percentile | 50th | 42nd |
| Total assets | $295.5M | $71.2M |
| Deposits / shares | $267.0M | $62.6M |
| Capital ratio | 10.60% | 12.43% (stronger) |
| Problem loans | 0.25% (stronger) | 1.19% |
| Net charge-offs | 0.08% | 0.05% (stronger) |
| Return on assets | 0.91% (stronger) | 0.69% |
| Loans ÷ deposits | 63.0% | 53.6% (stronger) |
| Uninsured deposits | 35.4% | 5.8% (stronger) |
| Offices | 5 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Commercial Bank has the higher TellerScore (72 vs 71). On the 7 directional measures above (where higher or lower is clearly better), The Commercial Bank leads on 3 and Meridian Mutual Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.