Merced School Employees

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets

$859.2M

91^th percentile

Members

50,632

88^th percentile

Total loans

$310.8M

52^th percentile

Total shares

$757.6M

95^th percentile

Profitability

Return on assets

1.47%

81^th percentile

Net interest margin

3.04%

25^th percentile

Efficiency ratio

50.19%

81^th percentile

Non-interest income ratio

19.24%

52^th percentile

Capital & Risk

Net worth ratio

11.59%

61^th percentile

Delinquency rate

0.72%

49^th percentile

Net charge-off rate

0.51%

39^th percentile

Loan-to-share

41.03%

2^th percentile

Growth

Member growth YoY

1.90%

66^th percentile

Asset growth YoY

9.45%

83^th percentile

Loan growth YoY

-0.59%

22^th percentile

Share growth YoY

7.75%

77^th percentile

Operations

Members / branch

6,329

77^th percentile

Assets / member

$16,969

57^th percentile

Field of membership penetration

49.78%

94^th percentile

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