Federal credit union · Hermitage, Pennsylvania · NCUA charter #11891
Mercer County Community
Health score 64/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 64
- Health / 100
- $111.8M
- Total assets
- 12,219
- Members
- 10.6%
- Net-worth ratio
Mercer County Community scores 64/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $111.8M; members 12,219; net-worth ratio 10.56%; health rank #3,918 of 4,374; healthier than 10th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#3,918 of 4,374 health · 2025Q4Mercer County Community · health 64/100 · $111.8M · 2025Q4
- NCUSIF 64/100
- CAMELS 10.6%
- HEALTH 4.86%
- NW 0.80%
- DELQ $111.8M
- ROA 12,219
- ASSETS #3,918/4,374
- MEM VALLEY
- RANK 11891
Call Report peers
Mercer County Community in the assets neighbourhood
Mercer County Community's $111.8M assets sit next to VALLEY ($111.7M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Mercer County Community vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
64 10th percentile higher than 10% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Mercer County Community - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #11891: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Mercer County Community: Call Report deltas vs peers
- Largest favorable gap: Return on Assets at 0.80% vs peer 0.62% (+0.18 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -26.06 pp (46.14% vs 72.20%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Mercer County Community: in-state Call Report ranks
- Health composite ranks #243 of 275 among scored Pennsylvania credit unions.
- Pennsylvania assets place: #81 of 275.
- Pennsylvania membership ordinal: #58 of 275.
In-state ordinals use the live credit_unions table for PA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Mercer County Community: 2025Q4 → 2026Q1
Mercer County Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.0% from $111.8M (2025Q4) to $114.1M (2026Q1).
- Net-worth ratio shifted -0.12 pp (10.68% → 10.56%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 10.56% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 64/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 64.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 0.0 pts
- Return on Assets 15.0 pts
- Member Growth 9.0 pts
- Loan-to-Share Ratio 10.0 pts
Call Report ratios for Mercer County Community
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.56% | -1.55 pp |
| Delinquency Rate | 4.86% | +3.96 pp |
| Return on Assets | 0.80% | +0.18 pp |
| Member Growth | 0.02% | - |
| Loan-to-Share Ratio | 46.14% | -26.06 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Mercer County Community quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $114.1M | - |
| 2025Q4 | $111.8M | 12,219 |
| 2024Q4 | $106.6M | 12,217 |
| 2023Q4 | $103.1M | 12,035 |
Credit Union Details
- Charter Number
- 11891
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Pennsylvania
- City
- Hermitage
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for Mercer County Community, spread across 2 cities.
| Office | City |
|---|---|
| Mercer County Community FCU (Main Office) | Hermitage, PA |
| Mercer County Community FCU | Sharon, PA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Pennsylvania
Other federally-insured credit unions in Pennsylvania, closest first by peer group and asset size.
Mercer County Community nationwide neighbourhoods
Mercer County Community's nationwide photo peers by assets and by health score, excluding Pennsylvania charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($111.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (64/100 here).
Using this data
- Mercer County Community ranks #3,918 of 4,374 nationally on financial health and #243 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- CORRY is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with CORRY
- Rates and health both vary by institution, not just by state -- see how Pennsylvania credit unions compare overall before assuming this one is typical. Pennsylvania state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Mercer County Community financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Mercer County Community carries a financial health score of 64/100 (Good). On the national health ranking (same basis as /rankings/healthiest), it sits at #3,918 of 4,374; by total assets it ranks #1,735 of 4,374 nationally (same basis as /rankings/largest); and #81 of 275 within Pennsylvania. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 10.56% net worth ratio and a 4.86% delinquency rate.
How does Mercer County Community compare to other credit unions?
Mercer County Community scores 64/100 on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Mercer County Community?
Mercer County Community operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Mercer County Community directly for the exact boundaries and application steps.
Is my money safe at Mercer County Community?
Federal credit unions like Mercer County Community are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Mercer County Community's net worth ratio of 10.56% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Mercer County Community offer compared to banks?
Credit unions like Mercer County Community are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Mercer County Community directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.