| Weiss Ratings |
Merco Credit Union
Merced, CA |
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| Rating | ||||
| Asset Quality Index | 5.90 | |||
| Capitalization Index | 6.50 | |||
| Liquidity Index | 3.90 | |||
| Profitability Index | 5.10 | |||
| Stability Index | 5.30 | |||
| 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 | 9.61% | |||
| 5-Year Asset Growth | 9.75% | |||
| 5-Year Charge-Offs to Average Loans | 0.49% | |||
| Charge-Offs to Average Loans | 1.45% | |||
| Non-Performing Assets to Assets | 0.99% | |||
| Non-Performing Loans to Capital | 9.43% | |||
| Non-Performing Loans to Loans | 1.12% | |||
| Balance Sheet |
Merco Credit Union
Merced, CA |
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| Total Assets | 188.25M | |||
| Total Deposits | 166.26M | |||
| Capital and Reserves |
Merco Credit Union
Merced, CA |
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| Capital | 16.83M | |||
| Leverage Ratio | 10.91 | |||
| Loan Loss Reserves to Loans | 2.18% | |||
| Liquidity |
Merco Credit Union
Merced, CA |
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| Hot Money Ratio | 11.72% | |||
| Liquidity Ratio | 20.59% | |||
| Profitability |
Merco Credit Union
Merced, CA |
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| 5-Year Return on Average Assets | 0.79% | |||
| Net Income | 152.00K | |||
| Net Interest Spread | 5.14% | |||
| Operating Profit to Average Assets | 2.84% | |||
| Overhead Efficiency Ratio | 59.17% | |||
| Return on Assets | 0.33% | |||
| Return on Equity | 3.63% | |||