BlastPoint's Credit Union Scorecard
MERCK EMPLOYEES
Charter #1454 · NJ
MERCK EMPLOYEES has 7 strengths but faces 8 concerns
How does the industry compare?
What's your peer group doing?
How does NJ stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Efficiency Ratio: Top 0.1% in tier
- + Members Per Employee (MPE): Top 0.1% in tier
- + Average Member Relationship (AMR): Top 0.7% in tier
- + Net Charge-Off Rate: Top 1.0% in tier
- + Share Certificate Concentration (%): Top 4.3% in tier
- + Total Delinquency Rate (60+ days): Top 9.0% in tier
- + Net Worth Ratio: Top 9.7% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 84.7% in tier
- - Stagnation Risk: Bottom 84.7% in tier
- - ROA 0.05% below tier average
- - Total Loans: Bottom 0.3% in tier
- - Total Members: Bottom 0.3% in tier
- - Loan-to-Share Ratio: Bottom 0.7% in tier
- - Net Interest Margin (NIM): Bottom 1.0% in tier
- - First Mortgage Concentration (%): Bottom 1.0% 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 300 credit unions with $1B-$3B in assets nationally, and 1 of 1 that size in New Jersey.
- Shares and deposits -2.6% year over year ($1.23B in shares and deposits).
- Membership: 23,652 members, -1.9% vs a year ago.
- Delinquency rate 0.30%.
- Return on assets 0.76%.
- Efficiency ratio 39.80% vs a 73.02% peer average.
- Loan-to-share ratio 18.32% vs a 84.71% 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 (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
23,652
-1.9% YoY-1.4% QoQ
|
-73.2K |
96,861
-1.9% YoY
|
7,520
+5.0% YoY
|
34,678
+6.6% YoY
|
Bottom 0.1% in tier |
| Assets |
$1.7B
-8.0% YoY-1.6% QoQ
|
$-38.9M |
$1.7B
+0.4% YoY
|
$121.5M
+6.2% YoY
|
$593.1M
+10.2% YoY
|
57% |
| Loans |
$226.0M
+7.5% YoY+4.8% QoQ
|
$-1.0B |
$1.2B
+0.7% YoY
|
$76.8M
+8.6% YoY
|
$418.6M
+10.1% YoY
|
Bottom 0.1% in tier |
| Deposits |
$1.2B
-2.6% YoY-2.3% QoQ
|
$-229.7M |
$1.5B
+0.5% YoY
|
$104.3M
+6.9% YoY
|
$504.8M
+10.3% YoY
|
44% |
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| ROA |
0.8%
+18.0% QoQ
|
-0.1% |
0.8%
+27.6% YoY
|
0.9%
+81.6% YoY
|
1.2%
+121.4% YoY
|
49% |
| NIM |
1.2%
+192.9% YoY+14.0% QoQ
|
-2.3% |
3.4%
+6.6% YoY
|
3.9%
+3.8% YoY
|
3.8%
+2.3% YoY
|
Bottom 0.7% in tier |
| Efficiency Ratio |
39.8%
-59.1% YoY-5.9% QoQ
|
-33.2% |
73.0%
-2.7% YoY
|
85.3%
-2.0% YoY
|
83.0%
-5.3% YoY
|
Top 0.1% in tier |
| Delinquency Rate |
0.3%
-47.3% YoY-21.3% QoQ
|
-0.6 |
0.9%
+7.3% YoY
|
2.2%
+22.2% YoY
|
1.3%
+2.6% YoY
|
Top 9.0% in tier |
| Loan To Share |
18.3%
+10.4% YoY+7.4% QoQ
|
-66.4% |
84.7%
+0.1% YoY
|
52.7%
+0.2% YoY
|
66.4%
-1.4% YoY
|
Bottom 0.3% in tier |
| AMR |
$61,713
+0.8% YoY+0.1% QoQ
|
+$32K |
$29,575
+1.5% YoY
|
$16,658
-5.0% YoY
|
$20,028
-0.9% YoY
|
Top 1.0% in tier |
| CD Concentration |
12.7%
+28.2% YoY+2.1% QoQ
|
-16.4% | 29.1% | 14.8% | 20.0% | Bottom 4.0% in tier |
| Indirect Auto % | 0.0% | -18.1% | 18.1% | 1.1% | 7.7% | Top 0.1% in tier |
Signature Analysis
Strengths (0)
Concerns (2)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)