Side-by-side · Q2 2026 data
Westamerica Bank vs Merced School Employees Federal Credit Union
Credit union
Merced School Employees Federal Credit Union
Merced, California · $100 million – $1 billion
Metric by metric
| Measure | Westamerica Bank | Merced School Employees Federal Credit Union |
|---|---|---|
| TellerScore | 78 | 81 (stronger) |
| Capital cushion | 53 | 68 (stronger) |
| Loan quality | 96 (stronger) | 85 |
| Earnings | 94 (stronger) | 75 |
| Funding & liquidity | 62 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 97 |
| Peer percentile | 86th | 80th |
| Total assets | $5.8B | $899.0M |
| Deposits / shares | $4.8B | $797.0M |
| Capital ratio | 10.27% | 11.76% (stronger) |
| Problem loans | 0.12% (stronger) | 0.44% |
| Net charge-offs | 0.14% (stronger) | 0.61% |
| Return on assets | 1.84% (stronger) | 1.37% |
| Loans ÷ deposits | 13.8% (stronger) | 38.4% |
| Uninsured deposits | 49.6% | 5.4% (stronger) |
| Offices | 75 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 8.9% |
Merced School Employees Federal Credit Union has the higher TellerScore (81 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Westamerica Bank leads on 4 and Merced School Employees Federal 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.
Where both have branches
- Merced, CA
- Atwater, CA
- Los Banos, CA