MERCK EMPLOYEES
Charter #1454 · RAHWAY, NJ · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 14.99% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 0.99% sits at the 5th percentile of structural peers — worth a closer look.
- Cost of funds of 2.21% sits at the 82nd percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.00% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 42.30% ranks in the 2nd percentile among structurally similar credit unions — a relative strength.
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 | MERCK EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.71B | 39th pct | 87th pct |
| Members | 23,992 | 0th pct | 56th pct |
| Net worth ratio | 14.99% | 93th pct | 80th pct |
| Return on average assets | 0.63% | 43th pct | 41th pct |
| Net interest margin | 0.99% | 0th pct | 5th pct |
| Cost of funds | 2.21% | 72th pct | 82th pct |
| Loan-to-share | 17.06% | 0th pct | 7th pct |
| Delinquency 60+ days | 0.37% | 23th pct | 49th pct |
| Net charge-off ratio | 0.00% | 0th pct | 11th pct |
| Loan growth YoY | 0.30% | 31th pct | 64th pct |
| Share growth YoY | 2.22% | 21th pct | 44th pct |
| Efficiency ratio | 42.30% | 1th pct | 2th pct |
structural peer set hash: 474f18bdfa11e7dc961c36a498d74055… (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.