BlastPoint's Credit Union Scorecard
MERCO
Charter #64766 · CA
MERCO has 7 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 3.2% in tier
- + Profitability Leader: Top 3.8% in tier
- + Organic Growth Engine: Top 6.4% in tier
- + ROA 1.60% above tier average
- + Net Interest Margin 1.48% above tier average
- + Fee Income Per Member: Top 1.6% in tier
- + Efficiency Ratio: Top 2.5% in tier
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 4.6% in tier
- - Indirect Auto Dependency: Bottom 7.0% in tier
- - Credit Quality Pressure: Bottom 14.0% in tier
- - Delinquency rate 0.64% above tier average
- - Indirect Auto Concentration (%): Bottom 0.9% in tier
- - Net Charge-Off Rate: Bottom 1.3% in tier
- - AMR Growth Rate: Bottom 3.4% in tier
- - Loan Growth Rate: Bottom 6.1% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
15,883
+3.6% YoY+1.4% QoQ
|
+254 |
15,628
-3.4% YoY
|
59,606
+5.7% YoY
|
33,089
+6.1% YoY
|
60% |
| Assets |
$202.9M
+3.9% YoY-1.7% QoQ
|
$-28.4M |
$231.3M
-0.0% YoY
|
$1.2B
+6.2% YoY
|
$547.7M
+7.8% YoY
|
51% |
| Loans |
$125.1M
-7.9% YoY-1.6% QoQ
|
$-22.7M |
$147.8M
-1.4% YoY
|
$845.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
50% |
| Deposits |
$175.7M
+1.4% YoY-2.3% QoQ
|
$-24.6M |
$200.3M
-0.0% YoY
|
$1.0B
+8.8% YoY
|
$464.6M
+9.3% YoY
|
51% |
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| ROA |
2.4%
+568.0% YoY-26.6% QoQ
|
+1.6% |
0.8%
+15.5% YoY
|
0.6%
+30.0% YoY
|
0.7%
+273.4% YoY
|
Top 1.2% in tier |
| NIM |
5.1%
+7.1% YoY+3.2% QoQ
|
+1.5% |
3.6%
+6.9% YoY
|
3.3%
+6.5% YoY
|
3.7%
+5.0% YoY
|
Top 2.2% in tier |
| Efficiency Ratio |
50.5%
-22.1% YoY+11.6% QoQ
|
-26.8% |
77.3%
-3.0% YoY
|
79.3%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Bottom 2.5% in tier |
| Delinquency Rate |
1.5%
+16.3% YoY+7.5% QoQ
|
+0.6 |
0.9%
+7.6% YoY
|
0.7%
-38.7% YoY
|
1.2%
-0.9% YoY
|
Top 14.5% in tier |
| Loan To Share |
71.2%
-9.2% YoY+0.7% QoQ
|
-1.5% |
72.7%
-1.5% YoY
|
68.8%
-1.5% YoY
|
68.0%
-1.7% YoY
|
43% |
| AMR |
$18,941
-6.1% YoY-3.4% QoQ
|
$-5K |
$24,363
+2.9% YoY
|
$28,514
+2.8% YoY
|
$19,418
+1.3% YoY
|
29% |
| CD Concentration |
20.0%
-9.1% YoY-14.8% QoQ
|
-4.5% |
24.4%
+4.2% YoY
|
21.7%
+4.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
71.7%
-2.0% YoY-0.7% QoQ
|
+57.7% |
14.0%
-5.7% YoY
|
9.5%
-6.9% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (3)
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (3)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)