| Metric | Merco Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.5% | +3.9% | -4.4 pts |
| Share growth (YoY) | -1.1% | +3.3% | -4.4 pts |
| Loan growth (YoY) | -5.7% | +2.9% | -8.7 pts |
| ROA | 1.43% | 0.69% | +0.7 pts |
| ROE | 11.5% | 5.9% | +5.5 pts |
ROA ranks in the 87th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $207.0M | $179.9M | $121.6M | $25.8M | $739K | 1.43% | 5.21% | 1.57% | 16,190 |
| Q4 2025 | $206.9M | $179.9M | $123.4M | $25.0M | $3.8M | 1.82% | 5.08% | 2.09% | 16,017 |
| Q3 2025 | $202.9M | $175.7M | $125.1M | $25.0M | $3.7M | 2.41% | 5.10% | 1.50% | 15,883 |
| Q2 2025 | $206.4M | $179.8M | $127.2M | $24.7M | $3.4M | 3.26% | 4.92% | 1.39% | 15,660 |
| Q1 2025 | $208.1M | $181.9M | $129.0M | $24.4M | $3.0M | 5.79% | 4.79% | 1.35% | 15,527 |
| Q4 2024 | $201.2M | $178.8M | $132.0M | $21.3M | $1.1M | 0.53% | 4.60% | 1.38% | 15,456 |
| Q3 2024 | $195.3M | $173.2M | $135.9M | $20.9M | $511K | 0.35% | 4.61% | 1.29% | 15,328 |
| Q2 2024 | $186.2M | $164.3M | $135.7M | $20.8M | $376K | 0.40% | 4.65% |
| Ratio | Merco Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.43% | 0.69% | 87th | |
Return on equity Annualized net income ÷ equity or net worth | 11.5% | 5.9% | 89th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.21% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.07% |
| 15,128 |
Loan mix (Q1 2026): real estate $15.1M · commercial $0 · consumer $106.2M · securities $68.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.6% | 78.7% | 5th |
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 | Merco 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 | Merco 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 | Merco 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 | Merco 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.