Side-by-side · Q2 2026 data
Wyoming Valley Educational Empl Federal Credit Union vs Merho Federal Credit Union
Credit union
Wyoming Valley Educational Empl Federal Credit Union
Wilkes Barre, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | Wyoming Valley Educational Empl Federal Credit Union | Merho Federal Credit Union |
|---|---|---|
| TellerScore | 67 | 74 (stronger) |
| Capital cushion | 40 | 63 (stronger) |
| Loan quality | 93 (stronger) | 66 |
| Earnings | 35 | 68 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 99 (stronger) | 95 |
| Peer percentile | 34th | 49th |
| Total assets | $56.0M | $60.8M |
| Deposits / shares | $51.0M | $54.5M |
| Capital ratio | 9.00% | 11.34% (stronger) |
| Problem loans | 0.22% (stronger) | 1.02% |
| Net charge-offs | 0.04% (stronger) | 0.18% |
| Return on assets | 0.37% | 1.21% (stronger) |
| Loans ÷ deposits | 14.2% (stronger) | 28.5% |
| Uninsured deposits | 4.8% | 4.0% (stronger) |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Merho Federal Credit Union has the higher TellerScore (74 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Wyoming Valley Educational Empl Federal Credit Union leads on 3 and Merho Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.