MERCER COUNTY COMMUNITY
Charter #11891 · Hermitage, PA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 12,231 ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 10.56% sits at the 25th percentile of structural peers — worth a closer look.
- Net interest margin of 4.10% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 3.65% sits at the 98th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 3.48% sits at the 97th percentile of structural peers — worth a closer look.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | MERCER COUNTY COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $114.05M | 10th pct | 59th pct |
| Members | 12,231 | 45th pct | 82th pct |
| Net worth ratio | 10.56% | 36th pct | 25th pct |
| Return on average assets | 0.36% | 27th pct | 28th pct |
| Net interest margin | 4.10% | 76th pct | 82th pct |
| Cost of funds | 0.59% | 22th pct | 39th pct |
| Loan-to-share | 43.26% | 6th pct | 25th pct |
| Delinquency 60+ days | 3.65% | 99th pct | 98th pct |
| Net charge-off ratio | 3.48% | 100th pct | 97th pct |
| Loan growth YoY | -6.12% | 4th pct | 15th pct |
| Share growth YoY | 2.57% | 36th pct | 36th pct |
| Efficiency ratio | 76.89% | 43th pct | 49th pct |
structural peer set hash: 9e6c2729d42fee1ecae348906d1df218… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.