Federal credit union · RAHWAY, New Jersey · NCUA charter #1454
Merck Employees
Health score 72/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 72
- Health / 100
- $1.82B
- Total assets
- 24,104
- Members
- 10.1%
- Net-worth ratio
Merck Employees - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #1454 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Merck Employees - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)7
- Member growth53
- Liquidity (loan-to-share)51
Weighted composite: 72/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 10.10%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 10.10% | 30% |
| Delinquency Rate | 0.21% | 25% |
| Return on Assets | -0.39% | 15% |
| Member Growth | -0.56% | 15% |
| Loan-to-Share Ratio | 17.53% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Merck Employees
Headquartered in RAHWAY, New Jersey, Merck Employees is a federal credit union with 24,104 members, $1.82B in total assets, and $217.5M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 72/100 (Very Good), driven in part by a net worth ratio of 10.10% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #1454 and reports within peer group Over $500M, a cohort of 749 similarly-sized institutions.
Loan book quality rounds out the picture. The delinquency rate of 0.21% measures loans 60+ days past due against total loans outstanding - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running tighter than peers. The loan-to-share ratio of 17.53% indicates how aggressively member deposits are being deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at -0.39% on net income of $-7095140 for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -0.56%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Community). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
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.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Merck Employees financially healthy?
A 10.10% net worth ratio and a 0.21% delinquency rate feed into Merck Employees's financial health score of 72/100 (Very Good), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Merck Employees compare to other credit unions?
Merck Employees scores 72/100 on PlainCU's health composite, compared to a peer group average for Over $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 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?
Federal credit unions like Merck Employees 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. Merck Employees's net worth ratio of 10.10% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Merck Employees offer compared to banks?
Credit unions like Merck Employees 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 Merck Employees directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.