| Weiss Ratings |
Merco Credit Union
Merced, CA |
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| Rating | ||||
| Asset Quality Index | 6.00 | |||
| Capitalization Index | 7.80 | |||
| Liquidity Index | 4.30 | |||
| Profitability Index | 6.40 | |||
| Stability Index | 5.20 | |||
| Company Info |
Merco Credit Union
Merced, CA |
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| NCUA Charter Number | 5236 | |||
| Phone Number | (209) 723-4285 | |||
| Website | www.merco.org | |||
| Asset Quality |
Merco Credit Union
Merced, CA |
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| 1-Year Asset Growth | 10.52% | |||
| 5-Year Asset Growth | 11.11% | |||
| 5-Year Charge-Offs to Average Loans | 0.73% | |||
| Charge-Offs to Average Loans | 1.76% | |||
| Non-Performing Assets to Assets | 1.00% | |||
| Non-Performing Loans to Capital | 8.43% | |||
| Non-Performing Loans to Loans | 1.35% | |||
| Balance Sheet |
Merco Credit Union
Merced, CA |
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| Total Assets | 208.05M | |||
| Total Deposits | 181.90M | |||
| Capital and Reserves |
Merco Credit Union
Merced, CA |
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| Capital | 20.76M | |||
| Leverage Ratio | 11.71 | |||
| Loan Loss Reserves to Loans | 2.97% | |||
| Liquidity |
Merco Credit Union
Merced, CA |
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| Hot Money Ratio | 17.86% | |||
| Liquidity Ratio | 32.34% | |||
| Profitability |
Merco Credit Union
Merced, CA |
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| 5-Year Return on Average Assets | 0.73% | |||
| Net Income | 3.01M | |||
| Net Interest Spread | 5.88% | |||
| Operating Profit to Average Assets | 8.05% | |||
| Overhead Efficiency Ratio | 34.03% | |||
| Return on Assets | 5.89% | |||
| Return on Equity | 62.59% | |||