Federal credit union · CHALFONT, Pennsylvania · NCUA charter #6574
Merck Sharp & Dohme
Health score 92/100 (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 - 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 - 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)98
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth77
- Liquidity (loan-to-share)74
Weighted composite: 92/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
9.71% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 9.71% | 30% |
| Delinquency Rate | 0.25% | 25% |
| Return on Assets | 0.76% | 15% |
| Member Growth | 2.08% | 15% |
| Loan-to-Share Ratio | 52.47% | 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 | $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
What This Data Says About Merck Sharp & Dohme
The five-factor composite scores Merck Sharp & Dohme at 92/100 (Excellent), reflecting a net worth ratio of 9.71% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This federal credit union, headquartered in CHALFONT, Pennsylvania, reports 33,434 members, $960.9M in total assets, and $455.9M in outstanding loans as of Q4 2025 under charter #6574 (peer group Over $500M, a cohort of 749 similarly-sized institutions).
Two more numbers round out the picture: a 0.25% delinquency rate (loans 60+ days past due against the total book) - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running tighter than peers - and a 52.47% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.76% on net income of $7.3M 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 2.08%. 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 Pennsylvania
More federally-insured credit unions based in Pennsylvania, ordered by peer group match and asset size.
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 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 this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 9.71% 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 9.71% 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.
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.