Federal credit union · RAHWAY, New Jersey · NCUA charter #1454
Merck Employees
Health score 72/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 72
- Health / 100
- $1.82B
- Total assets
- 24,104
- Members
- 15.0%
- Net-worth ratio
Merck Employees scores 72/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.82B; members 24,104; net-worth ratio 14.99%; health rank #3,455 of 4,374; healthier than 20th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#3,455 of 4,374 health · 2025Q4Merck Employees · health 72/100 · $1.82B · 2025Q4
Call Report peers
Merck Employees in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Merck Employees vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Merck Employees sits in 70-74 with 317 others.
72 20th percentile higher than 20% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Merck Employees: Call Report deltas vs peers
- Net Worth Ratio leads the peer set - 14.99% here, 11.18% peer average (+3.81 pp).
- Loan-to-Share Ratio trails the peer set - 17.53% here, 83.90% peer average (-66.37 pp).
Merck Employees in New Jersey
- New Jersey health ordinal: #68 of 127.
- Assets rank #2 of 127 inside New Jersey ($1.82B reported).
- Member book place in New Jersey: #9 of 127.
- One place up in New Jersey, Messiah Baptist Church (#67) scores 73/100, 1 point higher; one place down, Bloomfield Fire and Police (#69) ties at 72/100.
Merck Employees: 2025Q4 → 2026Q1
Merck Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -5.8% from $1.82B (2025Q4) to $1.71B (2026Q1).
- Net-worth ratio shifted +1.02 pp (13.97% → 14.99%).
At 14.99%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 72/100 score is built
Merck Employees gives up 28 points in total. Return on Assets costs the most, 14 of its 15; Net Worth Ratio and Delinquency Rate score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 1.0 pts
- Member Growth 8.0 pts
- Loan-to-Share Ratio 8.0 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.99% | +3.81 pp |
| Delinquency Rate | 0.21% | -0.66 pp |
| Return on Assets | -0.39% | -0.90 pp |
| Member Growth | -0.56% | - |
| Loan-to-Share Ratio | 17.53% | -66.37 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Merck Employees filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.71B | - |
| 2025Q4 | $1.82B | 24,104 |
| 2024Q4 | $1.85B | 24,239 |
| 2023Q4 | $1.99B | 24,889 |
Credit Union Details
- Charter Number
- 1454
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- New Jersey
- City
- RAHWAY
- Data Quarter
- 2025Q4
Branch Locations (3)
Per its most recent NCUA branch filing, Merck Employees runs 3 offices in 2 different cities across 2 states.
| Office | City |
|---|---|
| RAHWAY (Main Office) | RAHWAY, NJ |
| ELKTON | ELKTON, VA |
| UPTON | RAHWAY, NJ |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New Jersey
A look at other New Jersey credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for Merck Employees
Similar total assets
Similar health score
Using this data
- Merck Employees ranks #3,455 of 4,374 nationally on financial health and #68 of 127 in NJ -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Financial Resources is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Financial Resources
Frequently Asked Questions
Is Merck Employees financially healthy?
On its 2025Q4 NCUA 5300 filing, Merck Employees scores 72/100 (Very Good), with a 14.99% net worth ratio and 0.21% of loans delinquent. It ranks #3,455 of 4,374 nationally on health and #68 of 127 in New Jersey.
How does Merck Employees compare to other credit unions?
Merck Employees scores 72/100, higher than 20% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is net worth ratio (14.99% vs 11.18%). Its widest shortfall is loan-to-share ratio (17.53% vs 83.90%).
How can I join Merck Employees?
Merck Employees 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 Merck Employees directly for the exact boundaries and application steps.
Is my money safe at Merck Employees?
Merck Employees is a federal credit union; its shares are federally 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. Merck Employees's net worth ratio of 14.99% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.