Multi-States

SPRINGFIELD, MO · 2 · Charter #63306 · www.mymercycu.com
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$85.3M
35th percentile
Members
14,918
90th percentile
Total loans
$66.4M
56th percentile
Total shares
$73.8M
36th percentile

Profitability

Return on assets
1.57%
80th percentile
Net interest margin
4.22%
80th percentile
Efficiency ratio
61.94%
53th percentile
Non-interest income ratio
17.42%
51th percentile

Capital & Risk

Net worth ratio
12.68%
56th percentile
Delinquency rate
0.45%
69th percentile
Net charge-off rate
0.14%
78th percentile
Loan-to-share
89.93%
87th percentile

Growth

Member growth YoY
1.59%
75th percentile
Asset growth YoY
3.25%
44th percentile
Loan growth YoY
3.54%
63th percentile
Share growth YoY
1.91%
37th percentile

Operations

Members / branch
3,730
64th percentile
Assets / member
$5,715
1th percentile
Field of membership penetration
74.59%
97th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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