Mercer County Improvement Authority
Trenton, NJ · Charter 1546 · Peer group: credit unions under $1B in assets (n=1,637-1,639)
NCUA · 1 branch
Q3 2025
$384KAssets
$213KLoans
$353KShares
$29KNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 100% of credit unions under $1B in assets (rank 4 of 1638).
- Widest gap: return on equity trails 99% of credit unions under $1B in assets (rank 1621 of 1638).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
-2.08%
Rank 1,614 of 1,639
Net Interest Margin
8.33%
Rank 4 of 1,638
Efficiency Ratio
118.52%
Rank 1,606 of 1,637
Equity / Assets
7.55%
Rank 1,602 of 1,638
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | -2.08% | 0.40% | 0.81% | 1.29% | Beats 2% | 1,614 / 1,639 | | |
| Return on Equity | -27.59% | 3.02% | 6.34% | 9.49% | Beats 1% | 1,621 / 1,638 | | |
| Net Interest Margin | 8.33% | 3.27% | 3.83% | 4.38% | Beats 100% | 4 / 1,638 | | |
| Efficiency Ratio | 118.52% | 67.38% | 76.32% | 84.73% | Beats 2% | 1,606 / 1,637 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 4.69% | 0.27% | 0.68% | 1.33% | Beats 3% | 1,587 / 1,637 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 7.51% | 10.38% | 12.80% | 16.53% | Beats 2% | 1,603 / 1,639 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 7.55% | 10.39% | 12.80% | 16.53% | Beats 2% | 1,602 / 1,638 | | |
| Liquidity & Funding |
| Loans / Deposits | 60.28% | 55.01% | 72.16% | 85.44% | 32nd pctl | 1,119 / 1,638 | | |
| Loans / Assets | 55.47% | 46.69% | 60.81% | 72.42% | 39th pctl | 1,000 / 1,638 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |