MERCY
Charter #22362 · Savannah, GA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 2,258 ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 0.17% sits at the 21st percentile of structural peers — worth a closer look.
- Net interest margin of 4.80% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 1.57% sits at the 79th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 2.73% sits at the 85th 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 | MERCY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $12.60M | 12th pct | 52th pct |
| Members | 2,258 | 57th pct | 75th pct |
| Net worth ratio | 19.34% | 82th pct | 66th pct |
| Return on average assets | 0.17% | 25th pct | 21th pct |
| Net interest margin | 4.80% | 87th pct | 80th pct |
| Cost of funds | 1.57% | 79th pct | 79th pct |
| Loan-to-share | 73.74% | 75th pct | 48th pct |
| Delinquency 60+ days | 2.73% | 91th pct | 85th pct |
| Net charge-off ratio | 2.26% | 96th pct | 97th pct |
| Loan growth YoY | 1.41% | 79th pct | 80th pct |
| Share growth YoY | -0.23% | 25th pct | 31th pct |
| Efficiency ratio | 69.45% | 25th pct | 34th pct |
structural peer set hash: df3ea06719630e5a9453f53eed5e6ba9… (reproducible)
Closest structural peers
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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.