Federal credit union · CHALFONT, Pennsylvania · NCUA charter #6574
Merck Sharp & Dohme
Health score 92/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 92
- Health / 100
- $960.9M
- Total assets
- 33,434
- Members
- 9.7%
- Net-worth ratio
Merck Sharp & Dohme scores 92/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $960.9M; members 33,434; net-worth ratio 9.67%; health rank #844 of 4,374; healthier than 80th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#844 of 4,374 health · 2025Q4Merck Sharp & Dohme · health 92/100 · $960.9M · 2025Q4
- BOOK 92/100
- CHARTER 9.7%
- NCUSIF 0.25%
- CAMELS 0.76%
- HEALTH $960.9M
- NW 33,434
- DELQ #844/4,374
- ROA Kellogg Community
- ASSETS 6574
Call Report peers
Merck Sharp & Dohme in the assets neighbourhood
Merck Sharp & Dohme's $960.9M assets sit next to Kellogg Community ($961.6M) 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.
Merck Sharp & Dohme 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
92 Top 20% higher than 80% 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
Merck Sharp & Dohme - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #6574. See our deposit-insurance coverage note.
Merck Sharp & Dohme: Call Report deltas vs peers
- Delinquency Rate leads the peer set - 0.25% here, 0.87% peer average (-0.62 pp).
- Largest lag: Loan-to-Share Ratio at 52.47% vs peer 83.90% (-31.43 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Pennsylvania standing for Merck Sharp & Dohme
- Health composite ranks #37 of 275 among scored Pennsylvania credit unions.
- By total assets, Merck Sharp & Dohme is #17 of 275 in Pennsylvania.
- Member book place in Pennsylvania: #24 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.
How Merck Sharp & Dohme's 5300 filing moved
Merck Sharp & Dohme: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +5.3% from $960.9M (2025Q4) to $1.01B (2026Q1).
- Net-worth ratio shifted -0.14 pp (9.81% → 9.67%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
9.67% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 92/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 92.
- Net Worth Ratio 29.2 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 11.5 pts
- Loan-to-Share Ratio 11.3 pts
Merck Sharp & Dohme vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.67% | -1.51 pp |
| Delinquency Rate | 0.25% | -0.62 pp |
| Return on Assets | 0.76% | +0.26 pp |
| Member Growth | 2.08% | - |
| Loan-to-Share Ratio | 52.47% | -31.43 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Merck Sharp & Dohme quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.01B | - |
| 2025Q4 | $960.9M | 33,434 |
| 2024Q4 | $850.7M | 32,754 |
| 2023Q4 | $794.0M | 32,118 |
Credit Union Details
- Charter Number
- 6574
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Pennsylvania
- City
- CHALFONT
- Data Quarter
- 2025Q4
Branch Locations (9)
Per its most recent NCUA branch filing, Merck Sharp & Dohme runs 9 offices in 8 different cities across 2 states.
| Office | City |
|---|---|
| Operations (Main Office) | Chalfont, PA |
| Chalfont | Chalfont, PA |
| FISERV-DNA | Chicago, IL |
| Harleysville | Harleysville, PA |
| Lansdale | Lansdale, PA |
| Upper Gwynedd | North Wales, PA |
| Quakertown | Quakertown, PA |
| Collegeville | Trappe, PA |
| West Point | West Point, PA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Pennsylvania
More federally-insured credit unions based in Pennsylvania, ordered by peer group match and asset size.
Other-state peers near Merck Sharp & Dohme
Merck Sharp & Dohme's nationwide photo peers by assets and by health score, excluding Pennsylvania charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($960.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (92/100 here).
Using this data
- Merck Sharp & Dohme ranks #844 of 4,374 nationally on financial health and #37 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Belco Community Credit Union is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Belco Community Credit Union
- 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 Merck Sharp & Dohme financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Merck Sharp & Dohme carries a financial health score of 92/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #844 of 4,374; by total assets it ranks #483 of 4,374 nationally (same basis as /rankings/largest); and #17 of 275 within Pennsylvania. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 9.67% net worth ratio and a 0.25% delinquency rate.
How does Merck Sharp & Dohme compare to other credit unions?
Merck Sharp & Dohme scores 92/100 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 Sharp & Dohme?
Merck Sharp & Dohme 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 Sharp & Dohme directly for the exact boundaries and application steps.
Is my money safe at Merck Sharp & Dohme?
Federal credit unions like Merck Sharp & Dohme 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 Sharp & Dohme's net worth ratio of 9.67% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Merck Sharp & Dohme offer compared to banks?
Credit unions like Merck Sharp & Dohme 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 Sharp & Dohme 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.