MERCY
Charter #22362 | GA
<100M
(2596 CUs)
Micro
($0-$500M)
43 <100M in GA
MERCY has 4 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.35% above tier average
- + Net Interest Margin 0.55% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.98% above tier average
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,231
+0.3% YoY+0.0% QoQ
|
-394 |
2,625
-2.2% YoY
|
30,529
+3.7% YoY
|
33,089
+6.1% YoY
|
56th in tier |
| Assets |
$12.7M
+8.1% YoY+1.8% QoQ
|
$-17.2M |
$29.9M
+1.1% YoY
|
$489.5M
+5.8% YoY
|
$547.7M
+7.8% YoY
|
38th in tier |
| Loans |
$7.5M
-2.9% YoY-3.0% QoQ
|
$-8.2M |
$15.8M
-2.4% YoY
|
$335.0M
+9.2% YoY
|
$388.7M
+8.6% YoY
|
43rd in tier |
| Deposits |
$10.4M
+8.5% YoY+1.7% QoQ
|
$-15.1M |
$25.5M
+0.4% YoY
|
$419.7M
+4.9% YoY
|
$464.6M
+9.3% YoY
|
37th in tier |
| ROA |
1.0%
+189.9% YoY-3.0% QoQ
|
+0.4% |
0.7%
-731.4% YoY
|
1.1%
+41.8% YoY
|
0.7%
+273.4% YoY
|
63rd in tier |
| NIM |
4.5%
+4.4% YoY+0.8% QoQ
|
+0.6% |
3.9%
+3.8% YoY
|
4.2%
+4.4% YoY
|
3.7%
+5.0% YoY
|
72nd in tier |
| Efficiency Ratio |
69.5%
-6.3% YoY-3.8% QoQ
|
-11.9% |
81.4%
-2.4% YoY
|
76.7%
+1.1% YoY
|
79.1%
-3.3% YoY
|
30th in tier |
| Delinquency Rate |
2.5%
+44.9% YoY+51.8% QoQ
|
+1.0 |
1.5%
-2.0% YoY
|
1.3%
+2.5% YoY
|
1.2%
-0.9% YoY
|
Top 15.3% in tier |
| Loan To Share |
72.6%
-10.5% YoY-4.6% QoQ
|
+11.3% |
61.2%
-3.0% YoY
|
72.3%
+1.1% YoY
|
68.0%
-1.7% YoY
|
67th in tier |
| AMR |
$8,020
+3.1% YoY-0.4% QoQ
|
$-7K |
$14,627
-2.7% YoY
|
$17,296
+4.1% YoY
|
$19,418
+1.3% YoY
|
Bottom 19.5% in tier |
| CD Concentration |
33.1%
-6.4% YoY-2.4% QoQ
|
+8.7% |
24.4%
+4.2% YoY
|
19.9%
+4.7% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
4.6%
+4.3% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (6 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
261
Members Per Employee (MPE)
engagement
Value:
557.750
Peer Avg: 365.701
#261 of 2596
Top 10.0% in <100M tier
309
Deposit Growth Rate
growth
Value:
8.54%
Peer Avg: 16.80%
#309 of 2596
Top 11.9% in <100M tier
332
Asset Growth Rate
growth
Value:
8.10%
Peer Avg: 1.82%
#332 of 2596
Top 12.8% in <100M tier
609
Net Worth Ratio
risk
Value:
19.48%
Peer Avg: 16.43%
#609 of 2596
Top 23.4% in <100M tier
Top Weaknesses (4 metrics)
2245
Net Charge-Off Rate
risk
Value:
1.03%
Peer Avg: 0.57%
#2245 of 2596
Bottom 13.6% in <100M tier
2243
Share Certificate Concentration (%)
balance_sheet
Value:
33.12%
Peer Avg: 15.37%
#2243 of 2596
Bottom 13.6% in <100M tier
2199
Total Delinquency Rate (60+ days)
risk
Value:
2.49%
Peer Avg: 1.51%
#2199 of 2596
Bottom 15.3% in <100M tier
2089
Average Member Relationship (AMR)
engagement
Value:
$8,020
Peer Avg: $14,627
#2089 of 2596
Bottom 19.6% in <100M tier