TellerScore

Merck Employees Federal Credit Union is a federal credit union headquartered in Rahway, New Jersey, in business for about 90 years. At the end of Q2 2026 it reported $1.7B in total assets and $1.2B in member shares and deposits, with 3 offices across 2 states.

Based on its Q2 2026 filing, Merck Employees Federal Credit Union scores 86/100, which we describe as very strong. That is higher than 95% of 454 credit unions with $1 billion – $10 billion. Among 126 credit unions headquartered in New Jersey, it ranks 8th. Its strongest component is capital cushion (100/100; 15.45%), and its lowest is earnings (51/100; 0.77%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 15.45%
Loan quality90/100
Loans 60+ days delinquent ÷ total loans: 0.30%
Earnings51/100
Return on assets (annualized): 0.77%
Funding & liquidity89/100
Loans ÷ shares: 18.3% · 25.4% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.26%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 12 points (74 → 86), mostly because the earnings component improved by 31 points.

TellerScore
677786Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202467
Q3 202467
Q4 202467
Q1 202572
Q2 202574
Q3 202578
Q4 202579
Q1 202684
Q2 202686
Net worth ratio
7.00%11.22%15.45%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202413.35%
Q3 202413.53%
Q4 202413.56%
Q1 202513.41%
Q2 202513.68%
Q3 202513.93%
Q4 202513.97%
Q1 202614.99%
Q2 202615.45%
Delinquent loans (60+ days)
0.21%0.53%0.85%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.74%
Q3 20240.85%
Q4 20240.84%
Q1 20250.58%
Q2 20250.56%
Q3 20250.26%
Q4 20250.21%
Q1 20260.37%
Q2 20260.30%
Return on assets
-0.41%0.18%0.77%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.38%
Q3 2024-0.41%
Q4 2024-0.38%
Q1 2025-0.06%
Q2 20250.00%
Q3 20250.09%
Q4 20250.18%
Q1 20260.65%
Q2 20260.77%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202686$1.7B15.45%0.30%0.77%18.3%
Q1 202684$1.7B14.99%0.37%0.65%17.1%
Q4 202579$1.8B13.97%0.21%0.18%17.5%
Q3 202578$1.8B13.93%0.26%0.09%17.4%
Q2 202574$1.8B13.68%0.56%0.00%16.6%
Q1 202572$1.9B13.41%0.58%-0.06%16.0%
Q4 202467$1.8B13.56%0.84%-0.38%16.3%
Q3 202467$1.9B13.53%0.85%-0.41%16.3%
Q2 202467$1.9B13.35%0.74%-0.38%15.5%

454 peers · $1 billion – $10 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio15.45%
93rd
Problem loans0.30%
91st
Net charge-offs0.01%
99th
Return on assets0.77%
47th
Loans to deposits18.3%
100th
Uninsured deposits25.4%
2nd
Loan-loss reserves0.00%
50th
Texas ratio0.3%
100th

Similar-size credit unions in New Jersey

InstitutionScoreAssetsCapitalProblem loansCompare
Affinity Federal Credit UnionCredit union Basking Ridge, NJ49 out of 100, Below average$4.4B8.1%0.93%vs

Deposit insurance

Is my money safe at Merck Employees Federal Credit Union?

Yes. Merck Employees Federal Credit Union is a federally insured credit union (NCUA charter #1454). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 25.4% of shares and deposits ($313.5M) are above the $250,000 NCUA insurance limit, above the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 15.45%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Merck Employees Federal Credit Union lists 3 offices in 2 cities across 2 states. Most locations:

  • Rahway, NJ (2)
  • Elkton, VA (1)

All branch addresses and map

Identity & history

Profile

Legal name
Merck Employees Federal Credit Union
Type
Federal credit union
NCUA charter #
1454
RSSD ID
417774
Primary regulator
NCUA
Established
1936
Headquarters
126 E Lincoln Ave, Rahway, NJ 07065
Employees
18

Quick answers

Merck Employees Federal Credit Union: common questions

Is Merck Employees Federal Credit Union NCUA insured?

Yes. Merck Employees Federal Credit Union is a federally insured credit union (NCUA charter #1454). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Merck Employees Federal Credit Union's TellerScore?

86 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Merck Employees Federal Credit Union have?

3 offices as of the latest NCUA data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Rahway

InstitutionScoreAssetsCapitalProblem loansCompare
The Bank of New York Mellon Trust Company, National AssociationBank Los Angeles, CA100 out of 100, Very strong$1.4B63.5%0.00%vs
Wakefern Federal Credit UnionCredit union Elizabeth, NJ99 out of 100, Very strong$12.0M24.3%0.13%vs
NorthEast Community BankBank White Plains, NY90 out of 100, Very strong$2.1B17.3%0.00%vs
Local 1233 Federal Credit UnionCredit union Newark, NJ88 out of 100, Very strong$14.1M17.9%0.27%vs
Division 819 Transit Employees Credit UnionCredit union Irvington, NJ88 out of 100, Very strong$16.7M17.9%1.02%vs
Hana Bank USA, National AssociationBank Fort Lee, NJ88 out of 100, Very strong$835.2M25.4%0.00%vs