| Weiss Ratings |
Merco Credit Union
Merced, CA |
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| Rating | ||||
| Asset Quality Index | 6.10 | |||
| Capitalization Index | 8.60 | |||
| Liquidity Index | 3.90 | |||
| Profitability Index | 8.00 | |||
| Stability Index | 5.60 | |||
| 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 | 3.90% | |||
| 5-Year Asset Growth | 11.11% | |||
| 5-Year Charge-Offs to Average Loans | 0.73% | |||
| Charge-Offs to Average Loans | 2.04% | |||
| Non-Performing Assets to Assets | 1.10% | |||
| Non-Performing Loans to Capital | 8.80% | |||
| Non-Performing Loans to Loans | 1.50% | |||
| Balance Sheet |
Merco Credit Union
Merced, CA |
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| Total Assets | 202.89M | |||
| Total Deposits | 175.71M | |||
| Capital and Reserves |
Merco Credit Union
Merced, CA |
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| Capital | 21.41M | |||
| Leverage Ratio | 12.32 | |||
| Loan Loss Reserves to Loans | 3.13% | |||
| Liquidity |
Merco Credit Union
Merced, CA |
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| Hot Money Ratio | 14.72% | |||
| Liquidity Ratio | 26.11% | |||
| Profitability |
Merco Credit Union
Merced, CA |
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| 5-Year Return on Average Assets | 0.73% | |||
| Net Income | 3.66M | |||
| Net Interest Spread | 5.91% | |||
| Operating Profit to Average Assets | 4.04% | |||
| Overhead Efficiency Ratio | 50.51% | |||
| Return on Assets | 2.38% | |||
| Return on Equity | 23.84% | |||