Mercy Federal Credit Union
Total assets
$12.6M
▲ +2.3% YoY
Shares & deposits
$10.3M
▲ +2.6% YoY
Loans
$7.6M
▼ -0.0% YoY
Members
2,258
▲ +2.9% YoY
ROA (annualized)
0.17%
peers 0.60%
ROE (annualized)
0.86%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.3% | +1.3% | +1.0 pts |
| Share growth (YoY) | +2.6% | +0.7% | +1.9 pts |
| Loan growth (YoY) | -0.0% | -2.4% | +2.3 pts |
| ROA | 0.17% | 0.60% | -0.4 pts |
| ROE | 0.9% | 4.1% | -3.2 pts |
ROA ranks in the 28th percentile of its peer group · Q1 2026
Profile
- Established
- 1976
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 3
- Address
- 11705 Mercy Blvd, Savannah, GA, 31419
- NCUA charter #
- 22362
- RSSD ID
- 560586
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $12.6M | $10.3M | $7.6M | $2.4M | $5K | 0.17% | 4.71% | 2.73% | 2,258 |
| Q4 2025 | $12.1M | $9.9M | $7.5M | $2.4M | $61K | 0.50% | 4.71% | 1.54% | 2,253 |
| Q3 2025 | $12.7M | $10.4M | $7.5M | $2.5M | $98K | 1.03% | 4.45% | 2.49% | 2,231 |
| Q2 2025 | $12.4M | $10.2M | $7.8M | $2.4M | $66K | 1.06% | 4.43% | 1.64% | 2,230 |
| Q1 2025 | $12.3M | $10.1M | $7.6M | $2.4M | $31K | 1.01% | 4.50% | 1.58% | 2,195 |
| Q4 2024 | $11.6M | $9.6M | $7.7M | $2.4M | $58K | 0.50% | 4.39% | 1.56% | 2,201 |
| Q3 2024 | $11.7M | $9.6M | $7.7M | $2.3M | $31K | 0.36% | 4.29% | 1.72% | 2,225 |
| Q2 2024 | $11.7M | $9.7M | $7.5M | $2.3M | $-11K | -0.18% | 4.22% | 1.09% | 2,227 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $7.5M · securities $3.0M
Ratio pack Q1 2026 · peer medians from 2508 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.17% | 0.60% | 28th | |
Return on equity Annualized net income ÷ equity or net worth | 0.9% | 4.1% | 27th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.71% | 3.83% | 83th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.5% | 81.5% | 25th | |
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% |
Balance sheet
| Ratio | Value | 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% |
Capital
| Ratio | Value | 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% |
Credit quality
| Ratio | Value | 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% |
Franchise
| Ratio | Value | 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% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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