TellerScore

Merck Sharp & Dohme Federal Credit Union is a federal credit union headquartered in Chalfont, Pennsylvania, in business for about 76 years. At the end of Q2 2026 it reported $1.0B in total assets and $913.4M in member shares and deposits, with 7 offices across 2 states.

Based on its Q2 2026 filing, Merck Sharp & Dohme Federal Credit Union scores 71/100, which we describe as strong. That is higher than 62% of 454 credit unions with $1 billion – $10 billion. Among 269 credit unions headquartered in Pennsylvania, it ranks 167th. Its strongest component is funding & liquidity (100/100; 51% loans-to-deposits, 12% uninsured), and its lowest is capital cushion (47/100; 9.66%).

TellerScore · Q2 2026

Scorecard

Capital cushion47/100
Net worth ratio: 9.66%
Loan quality87/100
Loans 60+ days delinquent ÷ total loans: 0.39%
Earnings51/100
Return on assets (annualized): 0.79%
Funding & liquidity100/100
Loans ÷ shares: 50.6% · 12.1% uninsured
Problem-loan coverage96/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.88%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (71 → 71).

TellerScore
697275Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202474
Q3 202475
Q4 202473
Q1 202569
Q2 202571
Q3 202570
Q4 202572
Q1 202671
Q2 202671
Net worth ratio
7.00%8.59%10.19%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.96%
Q3 202410.19%
Q4 202410.18%
Q1 20259.88%
Q2 20259.68%
Q3 20259.84%
Q4 20259.81%
Q1 20269.67%
Q2 20269.66%
Delinquent loans (60+ days)
0.25%0.36%0.48%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.25%
Q3 20240.25%
Q4 20240.39%
Q1 20250.38%
Q2 20250.31%
Q3 20250.48%
Q4 20250.25%
Q1 20260.27%
Q2 20260.39%
Return on assets
0.55%0.73%0.90%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.88%
Q3 20240.90%
Q4 20240.86%
Q1 20250.55%
Q2 20250.66%
Q3 20250.74%
Q4 20250.75%
Q1 20260.73%
Q2 20260.79%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202671$1.0B9.66%0.39%0.79%50.6%
Q1 202671$1.0B9.67%0.27%0.73%50.1%
Q4 202572$960.9M9.81%0.25%0.75%52.5%
Q3 202570$929.9M9.84%0.48%0.74%54.7%
Q2 202571$929.3M9.68%0.31%0.66%53.9%
Q1 202569$923.5M9.88%0.38%0.55%52.2%
Q4 202473$850.7M10.18%0.39%0.86%58.4%
Q3 202475$842.4M10.19%0.25%0.90%58.9%
Q2 202474$831.8M9.96%0.25%0.88%58.2%

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 ratio9.66%
22nd
Problem loans0.39%
80th
Net charge-offs0.18%
87th
Return on assets0.79%
48th
Loans to deposits50.6%
97th
Uninsured deposits12.1%
26th
Loan-loss reserves0.00%
50th
Texas ratio1.9%
89th

Similar-size credit unions in Pennsylvania

InstitutionScoreAssetsCapitalProblem loansCompare
People First Federal Credit UnionCredit union Allentown, PA51 out of 100, Below average$1.0B7.6%1.10%vs
Diamond Credit UnionCredit union Pottstown, PA75 out of 100, Strong$1.2B10.5%0.29%vs
Patriot Federal Credit UnionCredit union Chambersburg, PA76 out of 100, Strong$1.3B11.5%0.26%vs
First Commonwealth Federal Credit UnionCredit union Lehigh Valley, PA56 out of 100, Moderate$1.5B10.1%1.53%vs
Freedom Credit UnionCredit union Warminster, PA79 out of 100, Strong$1.5B13.4%0.81%vs
Utilities Employees Credit UnionCredit union Reading, PA77 out of 100, Strong$1.5B15.7%1.26%vs

Deposit insurance

Is my money safe at Merck Sharp & Dohme Federal Credit Union?

Yes. Merck Sharp & Dohme Federal Credit Union is a federally insured credit union (NCUA charter #6574). 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 12.1% of shares and deposits ($110.2M) 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 9.66%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

7 locations

Branches

Merck Sharp & Dohme Federal Credit Union lists 7 offices in 6 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Merck Sharp & Dohme Federal Credit Union reported 760 home-loan applications under HMDA (LEI 549300A4SPX2JOQ71791): 570 originated ($91,530,000 total), 62 denied, and 126 withdrawn or closed by the applicant. Its denial rate on decided applications was 9.8%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Merck Sharp & Dohme Federal Credit Union
Type
Federal credit union
NCUA charter #
6574
RSSD ID
656788
Primary regulator
NCUA
Established
1950
Headquarters
335 W Butler Ave, Chalfont, PA 18914
Employees
96

Quick answers

Merck Sharp & Dohme Federal Credit Union: common questions

Is Merck Sharp & Dohme Federal Credit Union NCUA insured?

Yes. Merck Sharp & Dohme Federal Credit Union is a federally insured credit union (NCUA charter #6574). 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 Sharp & Dohme Federal Credit Union's TellerScore?

71 out of 100 (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 Sharp & Dohme Federal Credit Union have?

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

Nearby

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