BlastPoint's Credit Union Scorecard

MERCO

Charter #64766 · CA

100M-500M

1069 CUs in 100M-500M nationally 63 in CA

MERCO has 5 strengths but faces 8 concerns

National Analysis

How does the industry compare?

CA Analysis

How does CA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Emerging Performer: Top 50.0% in tier
+ ROA 1.08% above tier average
+ Net Interest Margin 1.52% above tier average
+ Fee Income Per Member: Top 2.9% in tier
+ Efficiency Ratio: Top 3.2% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 50.0% in tier
- Shrinking Wallet Share: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Delinquency rate 1.20% above tier average
- Indirect Auto Concentration (%): Bottom 1.0% in tier
- Net Charge-Off Rate: Bottom 1.2% in tier
- AMR Growth Rate: Bottom 3.7% in tier
- Total Delinquency Rate (60+ days): Bottom 6.6% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	16,017 +3.6% YoY+0.8% QoQ	+579	15,437 -2.9% YoY	60,320 +5.7% YoY	33,374 +5.7% YoY	62%
Assets	$206.9M +2.8% YoY+2.0% QoQ	$-25.0M	$231.9M +1.3% YoY	$1.3B +6.2% YoY	$561.6M +9.7% YoY	53%
Loans	$123.4M -6.6% YoY-1.4% QoQ	$-24.0M	$147.3M -0.1% YoY	$856.7M +6.3% YoY	$397.0M +8.8% YoY	50%
Deposits	$179.9M +0.6% YoY+2.4% QoQ	$-20.9M	$200.8M +0.8% YoY	$1.1B +7.1% YoY	$477.3M +9.7% YoY	52%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.8% +243.3% YoY-22.8% QoQ	+1.1%	0.8% +18.2% YoY	0.5% +14.3% YoY	0.7% +15.9% YoY	Top 3.6% in tier
NIM	5.1% +9.9% YoY+1.4% QoQ	+1.5%	3.6% +6.7% YoY	3.3% +7.0% YoY	3.8% +5.1% YoY	Top 1.9% in tier
Efficiency Ratio	54.2% -15.6% YoY+7.3% QoQ	-22.8%	77.0% -3.1% YoY	80.7% -1.8% YoY	79.7% -3.3% YoY	Top 3.2% in tier
Delinquency Rate	2.1% +51.3% YoY+39.7% QoQ	+1.2	0.9% +4.2% YoY	0.7% -40.0% YoY	1.3% -2.1% YoY	Bottom 6.6% in tier
Loan To Share	68.6% -7.1% YoY-3.7% QoQ	-3.7%	72.2% -1.1% YoY	68.6% -1.3% YoY	67.4% -1.7% YoY	39%
AMR	$18,935 -5.9% YoY-0.0% QoQ	$-6K	$24,676 +3.4% YoY	$28,728 +2.4% YoY	$19,687 +2.0% YoY	27%
CD Concentration	22.0% -9.6% YoY+10.5% QoQ	-2.4%	24.4%	21.7%	19.8%	50%
Indirect Auto %	70.5% -2.9% YoY-1.7% QoQ	+56.7%	13.8%	9.2%	7.8%	50%

Signature Analysis

Strengths (1)

Emerging Performer

growth

#19 of 182 • Top 50.0% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 1.84%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Member Growth (YoY): 3.63%

(Tier: 0.69%, National: 4.32%)

better than tier avg

182 of 1069 Mid-Small & Community CUs have this signature | 282 nationally

→ No prior data (182 CUs now) | New qualifier

Concerns (3)

Credit Quality Pressure

risk

#76 of 705 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.71% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | Rank improving

Shrinking Wallet Share

decline

#47 of 208 • Bottom 50.0% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -5.86%

(Tier: 4.17%, National: 4.00%)

worse than tier avg

208 of 1069 Mid-Small & Community CUs have this signature | 303 nationally

↓ Shrinking -190 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#194 of 506 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 2.84%

(Tier: 5.37%, National: 3.54%)

worse than tier avg

Indirect Auto %: 70.45%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): 3.63%

(Tier: 0.69%, National: 4.32%)

but better than tier avg

506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -35 CUs YoY | Rank worsening

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)

Compare against:

Comparing against 1069 peers in tier

Top Strengths (6 metrics)

Net Interest Margin (NIM)

profitability

Value: 5.13%

Peer Median: -

#20 of 1069 Top 1.8% in 100M-500M tier

Fee Income Per Member

profitability

Value: $336.68

Peer Median: -

#32 of 1069 Top 2.9% in 100M-500M tier

Efficiency Ratio

profitability

Value: 54.22%

Peer Median: -

#35 of 1069 Top 3.2% in 100M-500M tier

Return on Assets (ROA)

profitability

Value: 1.84%

Peer Median: -

#38 of 1069 Top 3.5% in 100M-500M tier

150

First Mortgage Concentration (%)

balance_sheet

Value: 11.15%

Peer Median: -

#150 of 1069 Top 13.9% in 100M-500M tier

166

Member Growth Rate

growth

Value: 3.63%

Peer Median: -

#166 of 1069 Top 15.4% in 100M-500M tier

Top Weaknesses (6 metrics)

1059

Indirect Auto Concentration (%)

balance_sheet

Value: 70.45%

Peer Median: -

#1059 of 1069 Bottom 1.0% in 100M-500M tier

1057

Net Charge-Off Rate

risk

Value: 2.28%

Peer Median: -

#1057 of 1069 Bottom 1.2% in 100M-500M tier

1030

AMR Growth Rate

growth

Value: -5.86%

Peer Median: -

#1030 of 1069 Bottom 3.7% in 100M-500M tier

999

Total Delinquency Rate (60+ days)

risk

Value: 2.09%

Peer Median: -

#999 of 1069 Bottom 6.6% in 100M-500M tier

989

Loan Growth Rate

growth

Value: -6.58%

Peer Median: -

#989 of 1069 Bottom 7.6% in 100M-500M tier

848

Deposit Growth Rate

growth

Value: 0.60%

Peer Median: -

#848 of 1069 Bottom 20.8% in 100M-500M tier