# MERCER COUNTY COMMUNITY
Hermitage, PA · NCUA charter 11891 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/mercer-county-community-11891

Who the members are: federal charter, community charter, organized 1957, low-income designated. 12,231 members of 853,306 potential (1.4% of the field); checking penetration 42% (share draft accounts per 100 members); loans per 100 members 36.

**Verdict on the desk:** this could be *stressed*. Composite score 6 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $114.1M |
| Members | 12,231 (-0.2% YoY) |
| Full-time staff | 27 |
| Net worth | $12.0M |
| Net worth ratio | 10.6% (p34 of band) |
| ROA (annualized) | 0.36% (p29 of band) |
| Total delinquency | 3.65% (p99 of band) |
| Net charge-offs (annualized) | 3.56% (p100 of band) |
| Loans / shares | 43% (p11 of band) |
| Cash / assets | 36.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.06% (p74 of band) |
| Operating expense / assets | 3.35% (p39 of band) |
| Vehicles % of loans | 68% (p92 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 71% |
| Third-party paper % of net worth | 177% (p83 of band) |
| Vehicle delinquency | 4.61% (p99 of band) |
| Vehicle NCO | 5.23% (p99 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 15% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 13% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 83% |
| Certificates % of member funds | 12% |
| Average share balance | $5,058 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 36% |
| Loans granted per 100 members, annualized | 8% |
| Average loan balance | $10,125 |
| Loans granted, annualized | $14.0M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **delinquency 2x band** (`aq_dq_high`)
- **charge-offs p90** (`aq_nco_high`)
- **loan book shrinking** (`shrink_loans`)
- **3rd-party paper>100% NW** (`str_thirdparty`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | thin capital |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | net worth falling |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 1 |  | net worth falling |
| 2017-09 | 1 |  |  |
| 2017-12 | 2 | delinquency rising |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 1 |  | delinquency rising |
| 2018-09 | 2 | 3rd-party paper>100% NW |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 1 |  | thin capital |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | margin squeeze |  |
| 2020-06 | 6 | thin capital, net worth falling, delinquency rising, auto monoline |  |
| 2020-09 | 3 |  | margin squeeze, net worth falling, delinquency rising |
| 2020-12 | 3 |  |  |
| 2021-03 | 3 |  |  |
| 2021-06 | 4 | net worth falling |  |
| 2021-09 | 5 | delinquency 2x band, delinquency rising | net worth falling |
| 2021-12 | 5 |  |  |
| 2022-03 | 5 |  |  |
| 2022-06 | 5 |  |  |
| 2022-09 | 5 |  |  |
| 2022-12 | 5 |  |  |
| 2023-03 | 4 |  | thin capital |
| 2023-06 | 4 |  |  |
| 2023-09 | 5 | assets shrinking |  |
| 2023-12 | 5 |  |  |
| 2024-03 | 3 |  | delinquency rising, assets shrinking |
| 2024-06 | 3 |  |  |
| 2024-09 | 4 | charge-offs p90 |  |
| 2024-12 | 4 |  |  |
| 2025-03 | 5 | net worth falling, loan book shrinking | charge-offs p90 |
| 2025-06 | 5 | charge-offs p90 | net worth falling |
| 2025-09 | 5 |  |  |
| 2025-12 | 5 |  |  |
| 2026-03 | 6 | net worth falling |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-06-08 [No injuries after SUV crashes into credit union - sharonherald.com](https://news.google.com/rss/articles/CBMiywFBVV95cUxPVXM1SXQwU2oyYkJrTmZjSTlVNmk4WEJIN1Z0bEQtZkl0Qmw3RmNzdEt5YUs1NS1PZXV1OG1rYW9DZFB4UU5paGlFV3FpczM4eS1iYmlXTWVVcTluYzl3T1FsUmFKdlNZR01rYmVFYjAzS1lmc25EUHM3TFVXazJRckN3eE5lbmhTdnhMSGN4MVZFWm1mRE9wWFpvNHM4UjNhMDVPejBJYlBDT29ORHJTbzJScENjSkFURi1aMjJrNXdSaVhaNU5GVnQwMA?oc=5) · sharonherald.com
- 2024-02-13 [Mercer Credit Union Grows and Gives Back - Business Journal Daily](https://news.google.com/rss/articles/CBMiigFBVV95cUxPaDQ4R1d6QkpjajRCVjJUb092Ym9vWlNZM2tJRFNDeDFVanR2clpLbUNuNEZ0cGVqdS1kRExDYWF5aUdSS0ozYXgxVk1CTG9qbVdqN3hFQzRicDNNLXRrcGZGeFIta3VkZGpCX19TMnFxYi12b2o4eTR2X2lrc0d5OXNJRndaOVQzMVE?oc=5) · Business Journal Daily
- 2026-09-09 [OMNICOMMANDER Launches New Website for Newly Rebranded Switch Federal Credit Union - EIN News](https://news.google.com/rss/articles/CBMiwgFBVV95cUxOWmpMX1BEQmdRM3NoaThwWkExOGRVZzRtalJ2cmxTak9pZzNKWU5waFNHMWI3bEEyaTFxM2RKQkw1MDlBOW1RcXpEQ3VKZ1dtcUttbGYydDhQeFlqTDV1VzhKYXMteXEwdVo1cnVHS1Nqbmk4azRISDEtdl8wWVhNdU1pSW5KaVJZWWhjaXhOMXl3NDlHLUJXZV95SVFfUmxaR1BNX251NDBSRmY0Ulc5VUtHTmhyVnJTYV9HTjJNaENNdw?oc=5) · EIN News
- 2021-01-28 [Mercer County Credit Union Membership To Grow with Charter - Business Journal Daily](https://news.google.com/rss/articles/CBMiogFBVV95cUxNNksxbmxzRU9HUzJlQ3dZa2FWbFV1UGJSU1hhSmxlRGtBeHZyT1FSbk1adDZ1aHBtRWstbXF1N1hnLTkyR01nOF9vMXFVdGdEQ3FSWjVNVXNiTnNDNHFLSHFHVXJWWWZFbHVRR2JHRjgzLVJNZ0oteVJjR3hNNzRNQ3NmSEQzX183dGotTndteUZsWVlfWS0tRmVxLUJrQ2JpMEE?oc=5) · Business Journal Daily
- 2019-06-03 [New officers and directors to serve on the Pennsylvania Credit Union Foundation’s board - CUInsight](https://news.google.com/rss/articles/CBMixgFBVV95cUxOOWRCMy1jc1ZiS25nZkNVbWlXSWRtWWY5RlRKQWxEclV3X1hjMkJfRTJ1SzRrTTVDR2UwNVpWaWU4LXdicXNWYlBTVmVKODdoWHVPYVJlT2tiQjgxUWN6ODZhWUlTT3dleGswTEF4RllEQkhzckwxR0xEVG5xbEQzR1hIaldPNDY1NFNYcDJBSlNfREFjcndncldZM184MmczSVlzN09PM01pNW9VRER0bHRSYVpZajBGaU5yMFdoZkxrODFOQnc?oc=5) · CUInsight
- 2023-03-13 [Mercer Credit Union, JA Give $10K to Hermitage School - Business Journal Daily](https://news.google.com/rss/articles/CBMijgFBVV95cUxNbi15TmhIcHFCQWRDVnI2VDlXNGF2S3VkaFZReVFOZHc4R3QxbVdDZUp2R1pBcUFKQy1ZNWNjb2VLRTJjNV9DQUV3akswaThER19NTEZQZWpnZkVlTms4bUdpMS1JN01fYlBndlM4VEgwdnlVdDcyQTlPcWxSY3pHc3EzRF9nb3ptblVRV09R?oc=5) · Business Journal Daily
- 2024-01-23 [Hermitage Lands $66M In Construction Projects - Business Journal Daily](https://news.google.com/rss/articles/CBMijwFBVV95cUxOTTlRbUlfeTlTaGNDanhNdmFKMWYzTmFMaFlHMVhTTFoxTm9CcGVUREEzYzE0RjgzOHIyTmw0cHlnUkZTQnJqTUFRSkhNc2JJQllyOVY2YXh2d3JGd2hSNzZYbDJuQktzTmljSHl5d1JOVmNkcXRmWHctRVB5WDNVUzZVOVlnM2ZMaE53YWlDbw?oc=5) · Business Journal Daily
- 2023-08-22 [FedEx Delivers $21M Project to Hermitage - Business Journal Daily](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQd0Q2VUxkbW11X0dDMHFmRWpHLUNTTUlvQThWYzFaekZLaXpFZlRtMi1EVEJWc3Z5WkpKOWJldHQ0RkxDUkVSckI0VDlRdlZoZmpKQU5QQ1N4dmxpRlo4XzlqN3J6SmQ0SkRrcFhGLW1xT1JQMTJGclB3eTJqUmhpaHNpMnpvem1D?oc=5) · Business Journal Daily

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=11891 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/51.json (key "11891", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=11891
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide