# MERCY
Savannah, GA · NCUA charter 22362 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/mercy-22362

Who the members are: federal charter, multiple common bond, organized 1976, low-income designated. 2,258 members of 5,218 potential (43.3% of the field); checking penetration 35% (share draft accounts per 100 members); loans per 100 members 33.

**Verdict on the desk:** this could be *auto monoline*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $12.6M |
| Members | 2,258 (2.9% YoY) |
| Full-time staff | 5 |
| Net worth | $2.4M |
| Net worth ratio | 19.4% (p72 of band) |
| ROA (annualized) | 0.17% (p31 of band) |
| Total delinquency | 2.73% (p84 of band) |
| Net charge-offs (annualized) | 2.24% (p94 of band) |
| Loans / shares | 74% (p72 of band) |
| Cash / assets | 15.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.71% (p80 of band) |
| Operating expense / assets | 4.48% (p69 of band) |
| Vehicles % of loans | 91% (p97 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 2.91% (p87 of band) |
| Vehicle NCO | 2.39% (p94 of band) |
| Repossessed % of vehicle book | 0.23% (p95 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 64% |
| Certificates % of member funds | 33% |
| Average share balance | $3,067 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 33% |
| Loans granted per 100 members, annualized | 17% |
| Average loan balance | $10,158 |
| Loans granted, annualized | $3.2M |

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)
- **charge-offs p90** (`aq_nco_high`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | auto monoline |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | delinquency rising |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 1 |  | delinquency rising |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 3 | delinquency 2x band, delinquency rising |  |
| 2019-03 | 1 |  | delinquency 2x band, delinquency rising |
| 2019-06 | 2 | repo signal |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 3 | delinquency 2x band |  |
| 2020-03 | 4 | delinquency rising |  |
| 2020-06 | 5 | net worth falling, margin squeeze | repo signal |
| 2020-09 | 4 | repo signal | delinquency 2x band, delinquency rising |
| 2020-12 | 4 |  |  |
| 2021-03 | 4 |  |  |
| 2021-06 | 4 | delinquency 2x band | repo signal |
| 2021-09 | 3 | repo signal | net worth falling, delinquency 2x band |
| 2021-12 | 3 | delinquency 2x band, delinquency rising | margin squeeze, repo signal |
| 2022-03 | 1 |  | delinquency 2x band, delinquency rising |
| 2022-06 | 3 | delinquency 2x band, delinquency rising |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 4 | repo signal, assets shrinking | delinquency 2x band |
| 2023-06 | 3 |  | delinquency rising |
| 2023-09 | 3 |  |  |
| 2023-12 | 3 | delinquency 2x band | assets shrinking |
| 2024-03 | 8 | net worth falling, losing money, margin squeeze, delinquency rising, charge-offs p90 |  |
| 2024-06 | 6 |  | delinquency 2x band, net worth falling |
| 2024-09 | 4 | delinquency 2x band | repo signal, losing money, margin squeeze |
| 2024-12 | 4 | repo signal | delinquency rising |
| 2025-03 | 3 |  | charge-offs p90 |
| 2025-06 | 4 | delinquency rising |  |
| 2025-09 | 3 |  | delinquency rising |
| 2025-12 | 3 |  |  |
| 2026-03 | 4 | delinquency rising, charge-offs p90 | repo signal |

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

- 2024-09-09 [Mary Jo Hall - Fox & Weeks](https://news.google.com/rss/articles/CBMiZkFVX3lxTE9CQlBQS09aOENxcGZKczlMZXlLUFN0M1RXa3BjUVF2U19tZDBjQjNobUlJd0Z3SmZyRGg0ZGMxbzFYV2N3MFR1TnNaUEFnTW1oMW1RREVfRndfWXNoOGZoa284QXhUQQ?oc=5) · Fox &amp; Weeks
- 2024-05-06 [THE SISTERS OF MERCY announce fall North American tour - Revolver Magazine](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPVGQwc2cwaElQYnQ4YS1QZkxGcF9rZi1YdGZxNEFMaWtKa3VubjdFSXJvMjFYV184WExGMHd3ZmRnaDlsMlZkVXdWN21CZ01reXpJR3d4N2NKQVByQ2xvRHU1T0VKVXpndi0tOExKNW9pMHo4LUNCSWRXRkFMSGlzazN6ZW5WeFVVeUZj?oc=5) · Revolver Magazine
- 2024-10-30 [FBC celebrates Homecoming, honors Susan and Butch Wiggins - Early County News](https://news.google.com/rss/articles/CBMinwFBVV95cUxQUlZ1LUdXRkxsX3NXYnF0cW1pWmlhRXRSTmdhV3BiODg2MFEtQ0tkMHJPbDdJNFYyTDRQTmI3eVphQXhHQ3ViSDRiZlJsN3JIbVpNRVdIM1VMNFdLS185Vl96UXFYUTJnWG82MnlXWlNLdkFzU3ZLeGhQQ3FmRDB4QWllT0s5WWlFWHplc3ZWYjUxbEtYTXNCVlpJM01FbXM?oc=5) · Early County News
- 2024-01-15 [Donna Gail Crosby - legacy.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxNNGNndHAxSUk4cml2ZFV2Y19hTnVGRVdxSWpycEFGb194NmpyWTNzUWJoYzJSX29QUU41dXdDNERDd25iQ2RjYUpvQUpGUUZ1QmlQTV9oQUMtX1VIYV9lLVI3ajQ1aU8xb3RpUmZDM1FUaEx6QTFIdkFqWTlrbFBSag?oc=5) · legacy.com
- 2019-10-21 [NEWSMAKERS: Five locals named to Georgia Southern's 40 Under 40 Class of 2019 - Savannah Morning News](https://news.google.com/rss/articles/CBMi2AFBVV95cUxOMDZfOUxtUmJJZHBzdDVFLV9BbXlHa3NhYjlXcXgtVzhEYmIxR0RZcnBjbXFuZjJoSG9Nd1gxVi0xQjVZeFhkWG44eUo5M3BaWjdxaDVodnFucUoxMUFkd29pMlI5VGV3QXhTeU1QZnVMWFMtTnZ5RGtxZzliS2s5ZjBMZk1vblFYQlNINnhTaGFaSTYxYllIMmlGZUk0eEgweUhPRnp1cjgweVhxNnB0NDlhcXFBTWwwY1l6WG9vRERRbUg2eXpxRHpmcHNqbmpJOTBKRTJqNy0?oc=5) · Savannah Morning News
- 2024-05-06 [The Sisters of Mercy Map Out 2024 North American Tour with AFI Offshoot - Exclaim!](https://news.google.com/rss/articles/CBMipwFBVV95cUxQeHNwdHB2T2w5dllRT3RyQ2dWWDZuSkU4VXpiNUVNSmkxWTFreXVLZDVLbjFUXzQtWTZzSkFvVy1pV1FxM3JnS3ZsTFV4MGJxejkyaGtJaWlTM1lzZ3g4QVl3NlJ4cXpRcF9HcU40MFhNSGVfMEpnVHpqUWM0Sld0Smc5VC1pc0FHNWZYUWJoS2JCMjJxbW5oX1RmYTdRbjQza1JWMnE2Yw?oc=5) · Exclaim!
- 2024-05-06 [The Sisters Of Mercy Announce North American Tour With Blaqk Audio - killthemusic.net](https://news.google.com/rss/articles/CBMinAFBVV95cUxOdF9aTnc3Z2gwOWlpRWU3LV9jMDYwU3M1Yk05VEpNSTZ5eXkwSTNYTkZYT05GcFIwUUNSOTB1N1ZtX0FOMXBjOVkwZm1uLUU1d0VVY1RORW41UVJjM0daOTdjNm9LLTJGTmVTbHEzVUJTR1BlMzhxOS1yalJHLW1lNElLc0hSQzJJV3dkSDlPVUJxaFVGVzZ4SDNqVmw?oc=5) · killthemusic.net
- 2024-06-03 [Kai from Esprit D'Air and The Sisters of Mercy donate to support Palestinian youths - Music-News.com](https://news.google.com/rss/articles/CBMizwFBVV95cUxQem5tcVEwWkdvVk53b1NqanllenJtdVFHMUNYQm5YaHZWTG1GZS1pWTU1TjhCeXRaM1k0SElBc2RPMmJnSmhrVk5yNEIxWThxWGliVjU1RldHUHRCRTN6SkNsLUxpclNLR3FUU2pVbGp0UDY1S1YwQ3ppQm8tZDEwUVJJMjFTdVRya3pKcEkyWGRMZTBaMlotRkZEaHAtWWF0TktiYkp6QnNiWkpIWDdkczVoU2FoX2FpUjZFQ3JhWk5Da19EbnFZVVFnU0lGN0E?oc=5) · Music-News.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=22362 (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/26.json (key "22362", 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=22362
- 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