| Metric | Mercer Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.4% | +1.3% | +1.1 pts |
| Share growth (YoY) | +2.7% | +0.7% | +2.0 pts |
| Loan growth (YoY) | -6.6% | -2.4% | -4.3 pts |
| ROA | -1.10% | 0.60% | -1.7 pts |
| ROE | -7.3% | 4.1% | -11.4 pts |
ROA ranks in the 8th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.6M | $2.2M | $1.7M | $399K | $-7K | -1.10% | 1.43% | 1.44% | 415 |
| Q4 2025 | $2.5M | $2.1M | $1.7M | $389K | $15K | 0.59% | 3.04% | 1.24% | 413 |
| Q3 2025 | $2.5M | $2.1M | $1.8M | $396K | $21K | 1.13% | 3.21% | 0.07% | 413 |
| Q2 2025 | $2.5M | $2.1M | $1.8M | $385K | $10K | 0.80% | 2.95% | 2.99% | 415 |
| Q1 2025 | $2.6M | $2.2M | $1.8M | $382K | $7K | 1.09% | 3.06% | 0.68% | 410 |
| Q4 2024 | $2.6M | $2.2M | $1.9M | $375K | $13K | 0.49% | 2.59% | 0.63% | 488 |
| Q3 2024 | $2.6M | $2.2M | $1.9M | $376K | $14K | 0.73% | 2.69% | 0.68% | 491 |
| Q2 2024 | $2.7M | $2.3M | $2.0M | $369K | $7K | 0.51% | 2.54% | 0.70% | 498 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $1.6M · securities $462K
| Ratio | Mercer Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.10% | 0.60% | 8th | |
Return on equity Annualized net income ÷ equity or net worth | -7.3% | 4.1% | 8th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.43% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 175.1% | 81.5% | 98th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Mercer Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Mercer Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Mercer Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Mercer Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.