MERCK SHARP & DOHME
Charter #6574 · CHALFONT, PA · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 9.67% sits at the 23rd percentile of structural peers — worth a closer look.
- Net interest margin of 2.41% sits at the 7th percentile of structural peers — worth a closer look.
- Cost of funds of 2.02% sits at the 89th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.16% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 1st percentile but its structural peers at the 64th — a 63-point gap showing why the peer definition matters.
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 SHARP & DOHME | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.01B | 1th pct | 64th pct |
| Members | 33,306 | 1th pct | 31th pct |
| Net worth ratio | 9.67% | 26th pct | 23th pct |
| Return on average assets | 0.75% | 52th pct | 49th pct |
| Net interest margin | 2.41% | 7th pct | 7th pct |
| Cost of funds | 2.02% | 62th pct | 89th pct |
| Loan-to-share | 50.07% | 3th pct | 20th pct |
| Delinquency 60+ days | 0.27% | 12th pct | 31th pct |
| Net charge-off ratio | 0.16% | 12th pct | 13th pct |
| Loan growth YoY | -0.14% | 25th pct | 33th pct |
| Share growth YoY | 9.11% | 91th pct | 97th pct |
| Efficiency ratio | 74.05% | 55th pct | 39th pct |
structural peer set hash: 6a553bf7661022fa6434448f0a3ab07b… (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.