Federal credit union · Savannah, Georgia · NCUA charter #22362
MERCY
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $12.1M
- Total assets
- 2,253
- Members
- 19.3%
- Net-worth ratio
MERCY scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $12.1M; members 2,253; net-worth ratio 19.34%; health rank #1,566 of 4,374; healthier than 60th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#1,566 of 4,374 health · 2025Q4MERCY · health 87/100 · $12.1M · 2025Q4
- MEM 87/100
- RANK 19.3%
- PHOTO 1.54%
- BOOK 0.48%
- CHARTER $12.1M
- NCUSIF 2,253
- CAMELS #1,566/4,374
- HEALTH Scurry County School
- NW 22362
Call Report peers
MERCY in the assets neighbourhood
MERCY's $12.1M assets sit next to Scurry County School ($12.1M) 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.
MERCY 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
87 Top 40% higher than 60% 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
MERCY - Share Insurance Coverage
Charter #22362's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Peer-gap read for MERCY
- Largest favorable gap: Loan-to-Share Ratio at 76.32% vs peer 59.80% (+16.52 pp).
- Delinquency Rate trails the peer set - 1.54% here, 1.15% peer average (+0.40 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
MERCY in Georgia
- Georgia health ordinal: #29 of 74.
- By total assets, MERCY is #54 of 74 in Georgia.
- Member book place in Georgia: #47 of 74.
In-state ordinals use the live credit_unions table for GA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
MERCY Call Report trajectory
MERCY: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.9% from $12.1M (2025Q4) to $12.6M (2026Q1).
- Net-worth ratio shifted -0.71 pp (20.05% → 19.34%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
19.34% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 87/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 87.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 15.9 pts
- Return on Assets 14.7 pts
- Member Growth 11.8 pts
- Loan-to-Share Ratio 14.6 pts
MERCY health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 19.34% | +4.48 pp |
| Delinquency Rate | 1.54% | +0.40 pp |
| Return on Assets | 0.48% | -0.23 pp |
| Member Growth | 2.36% | - |
| Loan-to-Share Ratio | 76.32% | +16.52 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Call Report history - MERCY
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $12.6M | - |
| 2025Q4 | $12.1M | 2,253 |
| 2024Q4 | $11.6M | 2,201 |
| 2023Q4 | $11.5M | 2,195 |
Credit Union Details
- Charter Number
- 22362
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Georgia
- City
- Savannah
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, MERCY runs 2 offices.
| Office | City |
|---|---|
| Mercy FCU (Main Office) | Savannah, GA |
| Candler Office | Savannah, GA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Georgia
A look at other Georgia credit unions, ranked by how closely their peer group and asset size match this one.
MERCY nationwide neighbourhoods
Cross-state asset and health neighbours for MERCY - kept outside Georgia; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($12.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (87/100 here).
Using this data
- MERCY ranks #1,566 of 4,374 nationally on financial health and #29 of 74 in GA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Valdosta Teachers is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Valdosta Teachers
- Rates and health both vary by institution, not just by state -- see how Georgia credit unions compare overall before assuming this one is typical. Georgia 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 MERCY financially healthy?
Yes/no aside, the number is 87/100 (Excellent) - MERCY's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,566 of 4,374; by total assets it ranks #3,450 of 4,374 nationally (same basis as /rankings/largest); and #54 of 74 within Georgia. Above 80 reads excellent, below 50 warrants closer monitoring; a 19.34% net worth ratio and 1.54% delinquency rate are the key drivers.
How does MERCY compare to other credit unions?
Five weighted metrics from NCUA filings produce MERCY's 87/100 score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 MERCY?
MERCY 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 MERCY directly for the exact boundaries and application steps.
Is my money safe at MERCY?
Federal credit unions like MERCY 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. MERCY's net worth ratio of 19.34% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does MERCY offer compared to banks?
Credit unions like MERCY 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 MERCY 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.