Mercer County Community

Hermitage, PA · 1 · Charter #11891 · www.mercomfcu.org
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
$111.8M
53th percentile
Members
12,219
80th percentile
Total loans
$45.9M
35th percentile
Total shares
$99.6M
55th percentile

Profitability

Return on assets
1.46%
75th percentile
Net interest margin
4.08%
74th percentile
Efficiency ratio
61.21%
55th percentile
Non-interest income ratio
11.13%
20th percentile

Capital & Risk

Net worth ratio
10.68%
31th percentile
Delinquency rate
4.86%
1th percentile
Net charge-off rate
1.77%
3th percentile
Loan-to-share
46.14%
16th percentile

Growth

Member growth YoY
0.02%
58th percentile
Asset growth YoY
4.91%
60th percentile
Loan growth YoY
-10.30%
5th percentile
Share growth YoY
4.86%
63th percentile

Operations

Members / branch
6,110
90th percentile
Assets / member
$9,151
9th percentile
Field of membership penetration
1.43%
22th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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