BlastPoint's Credit Union Scorecard
MERCO
Charter #64766 · CA
MERCO has 5 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 50.0% in tier
- + ROA 0.70% above tier average
- + Net Interest Margin 1.58% above tier average
- + Fee Income Per Member: Top 2.5% in tier
- + Efficiency Ratio: Top 4.6% in tier
Key Concerns
Areas that may need attention
- - Cost Spiral: Bottom 50.0% in tier
- - Margin Compression: Bottom 50.0% in tier
- - Shrinking Wallet Share: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Deposit Outflow: Bottom 50.0% in tier
- - Delinquency rate 0.80% above tier average
- - Net Charge-Off Rate: Bottom 0.9% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
16,190
+4.3% YoY+1.1% QoQ
|
+1.0K |
15,145
-2.5% YoY
|
57,202
-0.9% YoY
|
33,913
+5.7% YoY
|
64% |
| Assets |
$207.0M
-0.5% YoY+0.1% QoQ
|
$-24.7M |
$231.7M
+0.8% YoY
|
$1.2B
+0.4% YoY
|
$578.3M
+9.0% YoY
|
53% |
| Loans |
$121.6M
-5.7% YoY-1.4% QoQ
|
$-22.5M |
$144.1M
+0.2% YoY
|
$813.8M
+0.1% YoY
|
$402.4M
+8.7% YoY
|
50% |
| Deposits |
$179.9M
-1.1% YoY+0.0% QoQ
|
$-21.2M |
$201.1M
+0.4% YoY
|
$1.0B
+1.2% YoY
|
$494.3M
+9.1% YoY
|
53% |
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| ROA |
1.4%
-75.7% YoY-22.5% QoQ
|
+0.7% |
0.7%
+5.1% YoY
|
2.1%
+290.7% YoY
|
0.4%
-39.2% YoY
|
Top 13.0% in tier |
| NIM |
5.2%
+6.9% YoY+1.6% QoQ
|
+1.6% |
3.6%
+4.6% YoY
|
5.0%
+56.5% YoY
|
3.8%
+4.1% YoY
|
Top 1.9% in tier |
| Efficiency Ratio |
55.6%
+63.5% YoY+2.6% QoQ
|
-22.4% |
78.0%
-1.7% YoY
|
81.3%
-2.7% YoY
|
84.6%
+2.8% YoY
|
Top 4.6% in tier |
| Delinquency Rate |
1.6%
+16.5% YoY-24.7% QoQ
|
+0.8 |
0.8%
+7.1% YoY
|
0.6%
-45.1% YoY
|
1.2%
+3.4% YoY
|
Bottom 9.9% in tier |
| Loan To Share |
67.6%
-4.7% YoY-1.4% QoQ
|
-2.8% |
70.4%
-0.4% YoY
|
67.3%
-0.6% YoY
|
65.6%
-1.4% YoY
|
41% |
| AMR |
$18,627
-7.0% YoY-1.6% QoQ
|
$-6K |
$24,918
+2.7% YoY
|
$28,733
+1.2% YoY
|
$19,920
+1.6% YoY
|
24% |
| CD Concentration |
22.1%
-8.5% YoY+0.1% QoQ
|
-2.2% | 24.3% | 21.6% | 19.8% | 50% |
| Indirect Auto % |
70.5%
-3.0% YoY+0.0% QoQ
|
+56.7% | 13.8% | 9.0% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (6)
Cost Spiral
riskHistorically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
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)