Side-by-side · Q2 2026 data
Tri Counties Bank vs Merco Credit Union
Metric by metric
| Measure | Tri Counties Bank | Merco Credit Union |
|---|---|---|
| TellerScore | 70 | 70 |
| Capital cushion | 70 | 76 (stronger) |
| Loan quality | 69 (stronger) | 55 |
| Earnings | 76 (stronger) | 53 |
| Funding & liquidity | 53 | 93 (stronger) |
| Problem-loan coverage | 90 (stronger) | 85 |
| Peer percentile | 58th | 51st |
| Total assets | $9.9B | $207.3M |
| Deposits / shares | $8.4B | $180.2M |
| Capital ratio | 12.00% | 12.56% (stronger) |
| Problem loans | 0.94% (stronger) | 1.34% |
| Net charge-offs | 0.03% (stronger) | 2.75% |
| Return on assets | 1.40% (stronger) | 0.83% |
| Loans ÷ deposits | 85.8% | 66.8% (stronger) |
| Uninsured deposits | 34.1% | 4.7% (stronger) |
| Offices | 69 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 34.2% | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Tri Counties Bank leads on 3 and Merco 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.