BlastPoint's Credit Union Scorecard
MERCER
Charter #65995 · IL
MERCER faces 5 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 1.25% below tier average
- - Efficiency ratio 84.44% above tier (higher cost structure)
- - Net Interest Margin (NIM): Bottom 1.8% in tier
- - Share Certificate Concentration (%): Bottom 4.2% in tier
- - Members Per Employee (MPE): Bottom 9.1% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
415
+1.2% YoY+0.5% QoQ
|
-2.3K |
2,676
+1.6% YoY
|
22,133
+6.8% YoY
|
33,913
+5.7% YoY
|
Bottom 11.4% in tier |
| Assets |
$2.6M
+2.4% YoY+4.4% QoQ
|
$-27.6M |
$30.2M
+1.3% YoY
|
$406.0M
+9.7% YoY
|
$578.3M
+9.0% YoY
|
Bottom 11.5% in tier |
| Loans |
$1.7M
-6.6% YoY-4.1% QoQ
|
$-13.6M |
$15.3M
-2.0% YoY
|
$279.6M
+10.0% YoY
|
$402.4M
+8.7% YoY
|
16% |
| Deposits |
$2.2M
+2.7% YoY+5.3% QoQ
|
$-23.5M |
$25.8M
+0.7% YoY
|
$344.9M
+10.3% YoY
|
$494.3M
+9.1% YoY
|
Bottom 12.2% in tier |
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| ROA |
-1.1%
-202.0% YoY-285.7% QoQ
|
-1.2% |
0.1%
-77.6% YoY
|
0.5%
-57.9% YoY
|
0.4%
-39.2% YoY
|
Bottom 7.8% in tier |
| NIM |
1.4%
-52.9% YoY-53.6% QoQ
|
-2.6% |
4.0%
+4.0% YoY
|
3.7%
-0.2% YoY
|
3.8%
+4.1% YoY
|
Bottom 1.8% in tier |
| Efficiency Ratio |
175.1%
+169.8% YoY+116.0% QoQ
|
+84.4% |
90.6%
+6.5% YoY
|
87.0%
+8.4% YoY
|
84.6%
+2.8% YoY
|
Bottom 2.2% in tier |
| Delinquency Rate |
1.4%
+111.5% YoY+16.5% QoQ
|
-0.1 |
1.5%
+3.8% YoY
|
1.2%
+7.3% YoY
|
1.2%
+3.4% YoY
|
74% |
| Loan To Share |
74.8%
-9.0% YoY-8.9% QoQ
|
+16.3% |
58.5%
-3.0% YoY
|
60.2%
-0.9% YoY
|
65.6%
-1.4% YoY
|
74% |
| AMR |
$9,429
-2.7% YoY+0.6% QoQ
|
$-5K |
$14,884
-1.7% YoY
|
$15,723
+4.6% YoY
|
$19,920
+1.6% YoY
|
25% |
| CD Concentration |
48.7%
+18.4% YoY-3.3% QoQ
|
+24.4% | 24.3% | 14.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.2% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)