Mercy

Savannah, GA · 1 · Charter #22362 · www.mercyfcu.org
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$12.1M
47th percentile
Members
2,253
72th percentile
Total loans
$7.5M
56th percentile
Total shares
$9.6M
47th percentile

Profitability

Return on assets
1.80%
87th percentile
Net interest margin
4.71%
76th percentile
Efficiency ratio
58.65%
68th percentile
Non-interest income ratio
22.25%
86th percentile

Capital & Risk

Net worth ratio
20.08%
74th percentile
Delinquency rate
1.54%
30th percentile
Net charge-off rate
1.43%
11th percentile
Loan-to-share
78.41%
74th percentile

Growth

Member growth YoY
2.36%
86th percentile
Asset growth YoY
4.08%
69th percentile
Loan growth YoY
-2.62%
51th percentile
Share growth YoY
3.04%
64th percentile

Operations

Members / branch
1,127
51th percentile
Assets / member
$5,381
19th percentile
Field of membership penetration
43.83%
59th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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