# MERCER
Aledo, IL · NCUA charter 65995 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/mercer-65995

Who the members are: state charter, organized 1969. 415 members of 1,000 potential (41.5% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 39.

**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 | $2.6M |
| Members | 415 (1.2% YoY) |
| Full-time staff | 0 |
| Net worth | $399,114 |
| Net worth ratio | 15.1% (p52 of band) |
| ROA (annualized) | -1.10% (p10 of band) |
| Total delinquency | 1.44% (p70 of band) |
| Net charge-offs (annualized) | 0.00% (p37 of band) |
| Loans / shares | 75% (p74 of band) |
| Cash / assets | 35.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 1.43% (p2 of band) |
| Operating expense / assets | 2.57% (p21 of band) |
| Vehicles % of loans | 86% (p92 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 1.54% (p74 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 51% |
| Certificates % of member funds | 49% |
| Average share balance | $4,263 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 39% |
| Loans granted per 100 members, annualized | 12% |
| Average loan balance | $10,467 |
| Loans granted, annualized | $642,400 |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **margin squeeze** (`earn_nim_squeeze`)
- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)
- **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 | 2 | delinquency 2x band |  |
| 2017-03 | 4 | assets shrinking, members leaving |  |
| 2017-06 | 3 |  | assets shrinking |
| 2017-09 | 5 | delinquency rising, assets shrinking |  |
| 2017-12 | 3 | loan book shrinking | delinquency 2x band, members leaving, delinquency rising |
| 2018-03 | 3 | losing money, delinquency 2x band | assets shrinking, loan book shrinking |
| 2018-06 | 2 |  | losing money |
| 2018-09 | 3 | delinquency rising |  |
| 2018-12 | 4 | assets shrinking, members leaving, loans>95% of shares | delinquency 2x band, delinquency rising |
| 2019-03 | 1 |  | assets shrinking, members leaving, loans>95% of shares |
| 2019-06 | 2 | assets shrinking |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 1 |  | assets shrinking |
| 2020-03 | 3 | net worth falling, members leaving |  |
| 2020-06 | 3 |  |  |
| 2020-09 | 6 | margin squeeze, delinquency 2x band, delinquency rising |  |
| 2020-12 | 4 |  | members leaving, margin squeeze |
| 2021-03 | 3 | margin squeeze | delinquency 2x band, delinquency rising |
| 2021-06 | 2 | delinquency 2x band | net worth falling, margin squeeze |
| 2021-09 | 1 |  | delinquency 2x band |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | net worth falling |  |
| 2022-06 | 1 |  | net worth falling |
| 2022-09 | 5 | delinquency 2x band, delinquency rising, assets shrinking, members leaving |  |
| 2022-12 | 4 |  | members leaving |
| 2023-03 | 3 | members leaving | delinquency 2x band, delinquency rising |
| 2023-06 | 3 | delinquency rising | members leaving |
| 2023-09 | 3 | loan book shrinking | delinquency rising |
| 2023-12 | 2 | net worth falling | assets shrinking, loan book shrinking |
| 2024-03 | 2 | members leaving | net worth falling |
| 2024-06 | 2 |  |  |
| 2024-09 | 3 | delinquency rising, assets shrinking | members leaving |
| 2024-12 | 4 | members leaving, loan book shrinking | delinquency rising |
| 2025-03 | 4 |  |  |
| 2025-06 | 5 | delinquency 2x band, delinquency rising | loan book shrinking |
| 2025-09 | 3 |  | delinquency 2x band, delinquency rising |
| 2025-12 | 4 | delinquency rising |  |
| 2026-03 | 6 | net worth falling, losing money, margin squeeze, delinquency 2x band | assets shrinking, members leaving |

## 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
- 2026-04-01 [Official rules for The Family Credit Union Financial Literacy Month Coloring Sweepstakes - WQAD](https://news.google.com/rss/articles/CBMinAJBVV95cUxNYVNMSHdOcXR4UHZvTWgzWGdla21CUDA2ejBydzB5Y05pa0JDYWxPUXV0ZVJGMGVuekJOelZVcE5pSnhxeVV0X0RBNkM1OVpqVmhWNG1ya05seE5TaGpLTzRYWTR3dXRQaTUtNWlZVjRHbkhFNGRQTHB1S3pReFo1eU84ZDNOdnRWOXp2WTRFWnREcURRY2trMGtHb0tGd0FZLUxQQXZCbVI2djROR2VPbEFSR0FmNDllcmZTOEVRZUw0U2VaOFJNcks0NktQMHFKRTI0T2VqU0EyQ0p2MUl4VWJadmJPWlc1NEM5TG9zT2FqNUMybjljdDFreGdKTWxEZktqZUV5cUZINlM0Ni1pVEJhVjlzOER0VEQ2dw?oc=5) · WQAD
- 2026-03-26 [John Fogerty Celebrates Centerfield With New “Hall Of Fame Edition,” Arriving Summer 2026 - Shore Fire Media](https://news.google.com/rss/articles/CBMiwAFBVV95cUxOQ1paSFVsTlE1QS1aUGNfRlFBT1dPaWg4SWtibC14bmd1OXBqSGFibXlmM01fRUlUWlVia1o1VHdYU19YRjRyZ1lkMXBjdzN4VWtDc1h2ZUdyWlV0RGFMeGlkYTZjZndMUmkyZUVQVjdzS3ZzNFJCeWUzQXBXbUZZOVYtNUZBRnhUeXo3VEtVZTJqa0NHZUo1VFlvb2FKeWpiRUVjUElnTGotVXhHamlzNnBrM1Uxd1UzOVVlV3o1c1Y?oc=5) · Shore Fire Media
- 2025-07-01 [NCUA closes 2 credit unions in 2 days - Banking Dive](https://news.google.com/rss/articles/CBMiogFBVV95cUxQalp4a3lDWDF6WWc5ZjJGY0tqSlg5UDV6czhORFAxVWhQZU1YS2F0QURwWlJSWW5BbXNYSGVpWHdpczAxM0g1dFlER21pV2dWR1lYZ2ZGSWtXS2pCUHU4OGFoVUdrTk5oQXJIdlp5MzJ1ajRhYkhHTkZKem5ER2dMa0dNWXhReXRrMVQ1dnNhak1xRVdEVFZ1NFRJbkFQaGZJd0E?oc=5) · Banking Dive
- 2025-11-13 [Pay It Forward: Mercer County elementary teacher celebrating kindness every day - WQAD](https://news.google.com/rss/articles/CBMigwJBVV95cUxNM1VtakZkdDVJc1dpWGlpV2Q2MV9BOFVCU0hVRHNhWF9wZ0NLUDVvamE1QThRZDl5S01ORkZrM1EzbDdRVUZKZ0lxWXpVLXVJd2V2R0ZNU251MXh0aWdhXzNiaU4wVTl1M1piMHBRYk1saGpzQlU0NkJaMV9yNTc4ck9OWWpxNlNTUG9HeG5CWW5VRUU3aWNBWkVOV0xOanBSeVRpUWtjemluM2x2eFhKUkFiaFpGZ2loNWlLMFJSSnEyaHNjclBjd0Y1YVQ4V0NGZk4wMWVZMk9lT0dWM2VnMXNZYXRiM3JmSDNWYlphamRyNXRQdXllY0M0dUVNV0lFblFr?oc=5) · WQAD
- 2026-06-26 [Princeton Police Blotter: Stalking, Possession of Drug Paraphernalia, DWI - TAPinto](https://news.google.com/rss/articles/CBMi3AFBVV95cUxPbXNRTmEyN1htamxDeDBDaGcyNnNDWklDZDRfQndtQnUtUUFkWXczQnFVNC1lSGkxanpvamhieVRmOEFHRWdpZlI5alJQY2JlUnkwVFhOZ0k0SjdfUnZnTkI1VUpmNTNBQW9LcDc4MGFtUmZoTmw0Z21vMkliQzRBR2ZsS2hhd1J6Zy0tcnZPQ0tGUHBURURTVVJQZDltSExfQkZ3R1AwVDJIVTREdTEyWXJ4eV9ndFdpQ3d6UXh5eDh2cU5Idk1NY3BWQk1FMzdvcE5WT1diWlNyelI0?oc=5) · TAPinto
- 2023-05-22 [Donald Lee Clute Obituary May 22, 2023 - McGuire & Davies Funeral Home and Crematory](https://news.google.com/rss/articles/CBMidkFVX3lxTE9pMWFQR3lnRGg4dEFMZW9lV2s0ZTR1MEYyZkp6MkdmbUpOMU44enlLb0hQaEhXcDdlVE1qdlVtLTNHSkIzWng2Y0JfMzktOVVBdEVab2wzbzFPTE9Bc3dpNHh0QWJvQXpxQks1eHBVR3FoN1Q1ZVE?oc=5) · McGuire &amp; Davies Funeral Home and Crematory
- 2022-04-28 [CoVantage Credit Union Plans Expansion into Northern Illinois - Business Wire](https://news.google.com/rss/articles/CBMiugFBVV95cUxOZUJJcWFRQkN1VHFVWXRnZGUwRjN5NDlab25FSElIQ2VINGd3aDlSTE1hMlJvNGFVSHBlWlZpQzUxczNPU09kQVRmdmY0ZElrdUZuNTh6dEx3UmJpcXpMVFBLNGdRUmQwc3Q3V2l5V2xZOTlRbDkycmtNT002cXZpZGVobjBPT2d1YnBvd2QwWEJpUmhLVmg1dkxjekZNMGR5Tkt5RkFzamFhUzJaU1B5NURFdlhEcXFZZmc?oc=5) · Business Wire

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=65995 (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/11.json (key "65995", 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=65995
- 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