Mercy
Savannah, GA · Charter 22362 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
$12.4MAssets
$7.6MLoans
$10.2MShares
$2.4MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 85% of credit unions under $1B in assets (rank 252 of 1683).
- Widest gap: return on assets trails 93% of credit unions under $1B in assets (rank 1565 of 1683).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
-0.42%
Rank 1,565 of 1,683
Net Interest Margin
4.63%
Rank 274 of 1,683
Efficiency Ratio
75.76%
Rank 710 of 1,682
Equity / Assets
19.35%
Rank 252 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.42% | 0.35% | 0.74% | 1.18% | Beats 7% | 1,565 / 1,683 | | |
| Return on Equity | -2.16% | 2.67% | 5.89% | 8.74% | Beats 8% | 1,554 / 1,681 | | |
| Net Interest Margin | 4.63% | 3.31% | 3.82% | 4.32% | Beats 84% | 274 / 1,683 | | |
| Efficiency Ratio | 75.76% | 68.91% | 78.20% | 86.93% | Beats 58% | 710 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.65% | 0.26% | 0.65% | 1.29% | Beats 10% | 1,522 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 19.35% | 10.44% | 12.89% | 16.53% | Beats 85% | 252 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 19.35% | 10.44% | 12.89% | 16.53% | Beats 85% | 252 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 74.30% | 52.61% | 69.38% | 83.50% | 59th pctl | 689 / 1,683 | | |
| Loans / Assets | 61.07% | 44.71% | 59.18% | 70.72% | 54th pctl | 769 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |