BlastPoint's Credit Union Scorecard
MERCER
Charter #65995 · IL
MERCER has 4 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + AMR Growth Rate: Top 7.2% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.03% below tier average
- - Member decline: -15.4% YoY
- - Member Growth Rate: Bottom 2.4% in tier
- - Share Certificate Concentration (%): Bottom 3.5% in tier
- - Members Per Employee (MPE): Bottom 9.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
413
-15.4% YoY0% QoQ
|
-2.2K |
2,615
-1.9% YoY
|
21,665
+5.6% YoY
|
33,374
+5.7% YoY
|
Bottom 11.4% in tier |
| Assets |
$2.5M
-3.3% YoY+2.5% QoQ
|
$-27.6M |
$30.1M
+2.1% YoY
|
$394.9M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
Bottom 11.1% in tier |
| Loans |
$1.7M
-6.5% YoY-4.3% QoQ
|
$-14.0M |
$15.8M
-1.3% YoY
|
$275.6M
+9.5% YoY
|
$397.0M
+8.8% YoY
|
16% |
| Deposits |
$2.1M
-4.2% YoY+3.3% QoQ
|
$-23.6M |
$25.7M
+1.4% YoY
|
$330.4M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
Bottom 11.9% in tier |
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| ROA |
0.6%
+21.6% YoY-47.0% QoQ
|
-0.0% |
0.6%
+10.8% YoY
|
0.6%
-12.3% YoY
|
0.7%
+15.9% YoY
|
45% |
| NIM |
3.1%
+18.9% YoY-3.5% QoQ
|
-0.9% |
4.0%
+4.0% YoY
|
3.6%
+3.6% YoY
|
3.8%
+5.1% YoY
|
21% |
| Efficiency Ratio |
81.0%
-0.5% YoY+23.8% QoQ
|
-1.5% |
82.6%
-2.3% YoY
|
89.8%
+8.5% YoY
|
79.7%
-3.3% YoY
|
53% |
| Delinquency Rate |
1.2%
+94.7% YoY+1741.3% QoQ
|
-0.3 |
1.6%
-3.1% YoY
|
1.1%
-24.1% YoY
|
1.3%
-2.1% YoY
|
66% |
| Loan To Share |
82.2%
-2.5% YoY-7.4% QoQ
|
+21.6% |
60.6%
-3.1% YoY
|
62.0%
-1.0% YoY
|
67.4%
-1.7% YoY
|
81% |
| AMR |
$9,372
+11.9% YoY-0.3% QoQ
|
$-5K |
$14,783
-1.4% YoY
|
$15,477
+4.9% YoY
|
$19,687
+2.0% YoY
|
25% |
| CD Concentration |
50.3%
+22.5% YoY+8.0% QoQ
|
+25.9% | 24.4% | 14.1% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.1% | 7.8% | 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)