BlastPoint's Credit Union Scorecard
MERCER COUNTY COMMUNITY
Charter #11891 · PA
MERCER COUNTY COMMUNITY has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.48% above tier average
- + First Mortgage Concentration (%): Top 9.8% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - ROA 0.17% below tier average
- - Delinquency rate 2.10% above tier average
- - Net Charge-Off Rate: Bottom 0.4% in tier
- - Loan-to-Member Ratio (LMR): Bottom 1.3% in tier
- - Average Member Relationship (AMR): Bottom 1.7% in tier
- - Total Delinquency Rate (60+ days): Bottom 2.5% in tier
- - Fee Income Per Member: Bottom 3.3% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 62 that size in Pennsylvania.
- Shares and deposits +3.8% year over year ($102M in shares and deposits).
- Membership: 12,192 members, -0.2% vs a year ago.
- Delinquency rate 2.98%.
- Return on assets 0.70%.
- Efficiency ratio 70.51% vs a 76.73% peer average.
- Loan-to-share ratio 43.86% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
12,192
-0.2% YoY-0.3% QoQ
|
-3.0K |
15,168
-2.6% YoY
|
18,280
+5.8% YoY
|
34,678
+6.6% YoY
|
45% |
| Assets |
$114.7M
+4.0% YoY+0.6% QoQ
|
$-117.3M |
$232.0M
+0.7% YoY
|
$308.6M
+9.9% YoY
|
$593.1M
+10.2% YoY
|
Bottom 9.6% in tier |
| Loans |
$44.7M
-7.6% YoY+1.7% QoQ
|
$-101.5M |
$146.3M
+0.2% YoY
|
$207.1M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
Bottom 4.1% in tier |
| Deposits |
$102.0M
+3.8% YoY+0.3% QoQ
|
$-98.7M |
$200.7M
+0.2% YoY
|
$264.2M
+9.3% YoY
|
$504.8M
+10.3% YoY
|
Bottom 11.7% in tier |
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| ROA |
0.7%
-5.6% YoY+93.3% QoQ
|
-0.2% |
0.9%
+12.5% YoY
|
1.0%
+23.3% YoY
|
1.2%
+121.4% YoY
|
45% |
| NIM |
4.2%
+2.0% YoY+2.6% QoQ
|
+0.5% |
3.7%
+4.5% YoY
|
3.5%
+2.1% YoY
|
3.8%
+2.3% YoY
|
79% |
| Efficiency Ratio |
70.5%
+1.7% YoY-8.3% QoQ
|
-6.2% |
76.7%
-0.8% YoY
|
76.6%
-2.6% YoY
|
83.0%
-5.3% YoY
|
28% |
| Delinquency Rate |
3.0%
-38.5% YoY-18.3% QoQ
|
+2.1 |
0.9%
+6.6% YoY
|
1.2%
-8.4% YoY
|
1.3%
+2.6% YoY
|
Bottom 2.5% in tier |
| Loan To Share |
43.9%
-11.0% YoY+1.4% QoQ
|
-27.7% |
71.5%
-0.3% YoY
|
53.4%
-2.0% YoY
|
66.4%
-1.4% YoY
|
Bottom 6.5% in tier |
| AMR |
$12,033
+0.2% YoY+1.0% QoQ
|
$-13K |
$25,107
+3.2% YoY
|
$16,967
+3.7% YoY
|
$20,028
-0.9% YoY
|
Bottom 1.6% in tier |
| CD Concentration |
12.9%
+1.5% YoY+3.9% QoQ
|
-11.6% | 24.6% | 15.6% | 20.0% | 50% |
| Indirect Auto % |
46.9%
-14.5% YoY-3.1% QoQ
|
+33.2% | 13.6% | 8.4% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (1)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)