TellerScore

Mercer County Community Federal Credit Union (NCUA charter #11891) is based in Hermitage, Pennsylvania. Its Q2 2026 call report shows $114.7M in total assets and $102.0M in member shares and deposits and 1 office.

Based on its Q2 2026 filing, Mercer County Community Federal Credit Union scores 50/100, which we describe as below average. That is higher than only 6% of 1,341 credit unions with $100 million – $1 billion. Among 269 credit unions headquartered in Pennsylvania, it ranks 252nd. Its strongest component is funding & liquidity (100/100; 44% loans-to-deposits, 1% uninsured), and its lowest is loan quality (1/100; 2.98%).

TellerScore · Q2 2026

Scorecard

Capital cushion58/100
Net worth ratio: 10.76%
Loan quality1/100
Loans 60+ days delinquent ÷ total loans: 2.98%
Earnings48/100
Return on assets (annualized): 0.70%
Funding & liquidity100/100
Loans ÷ shares: 43.9% · 0.5% uninsured
Problem-loan coverage78/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 10.80%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 2 points (48 → 50), mostly because the problem-loan coverage component improved by 18 points.

TellerScore
454850Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202449
Q3 202449
Q4 202448
Q1 202545
Q2 202548
Q3 202548
Q4 202547
Q1 202646
Q2 202650
Net worth ratio
7.00%8.88%10.76%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.30%
Q3 202410.66%
Q4 202410.63%
Q1 202510.40%
Q2 202510.64%
Q3 202510.69%
Q4 202510.68%
Q1 202610.56%
Q2 202610.76%
Delinquent loans (60+ days)
2.98%4.08%5.17%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20244.18%
Q3 20244.71%
Q4 20245.17%
Q1 20254.76%
Q2 20254.85%
Q3 20255.01%
Q4 20254.86%
Q1 20263.65%
Q2 20262.98%
Return on assets
0.36%0.70%1.04%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.04%
Q3 20240.92%
Q4 20240.84%
Q1 20250.52%
Q2 20250.74%
Q3 20250.69%
Q4 20250.54%
Q1 20260.36%
Q2 20260.70%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202650$114.7M10.76%2.98%0.70%43.9%
Q1 202646$114.1M10.56%3.65%0.36%43.3%
Q4 202547$111.8M10.68%4.86%0.54%46.1%
Q3 202548$111.4M10.69%5.01%0.69%47.3%
Q2 202548$110.3M10.64%4.85%0.74%49.3%
Q1 202545$110.4M10.40%4.76%0.52%49.9%
Q4 202448$106.6M10.63%5.17%0.84%53.9%
Q3 202449$104.7M10.66%4.71%0.92%57.6%
Q2 202449$106.7M10.30%4.18%1.04%57.5%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.76%
40th
Problem loans2.98%
2nd
Net charge-offs2.91%
0th
Return on assets0.70%
46th
Loans to deposits43.9%
94th
Uninsured deposits0.5%
96th
Loan-loss reserves0.00%
50th
Texas ratio10.8%
11th

Similar-size credit unions in Pennsylvania

InstitutionScoreAssetsCapitalProblem loansCompare
White Rose Credit UnionCredit union York, PA66 out of 100, Moderate$115.5M8.9%0.35%vs
Corry Federal Credit UnionCredit union Corry, PA86 out of 100, Very strong$115.9M12.5%0.15%vs
New Alliance Federal Credit UnionCredit union Ambridge, PA54 out of 100, Below average$113.3M8.7%1.97%vs
Greater Pittsburgh Police Federal Credit UnionCredit union Pittsburgh, PA83 out of 100, Strong$109.9M18.7%0.61%vs
Palco Federal Credit UnionCredit union Muncy, PA87 out of 100, Very strong$109.3M13.1%0.20%vs
Valley 1st Community Federal Credit UnionCredit union Monessen, PA89 out of 100, Very strong$106.9M23.1%0.75%vs

Deposit insurance

Is my money safe at Mercer County Community Federal Credit Union?

Yes. Mercer County Community Federal Credit Union is a federally insured credit union (NCUA charter #11891). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 0.5% of shares and deposits ($558K) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 10.76%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Mercer County Community Federal Credit Union lists 1 office in 1 city. Most locations:

  • Sharon, PA (1)

All branch addresses and map

Identity & history

Profile

Legal name
Mercer County Community Federal Credit Union
Type
Federal credit union
NCUA charter #
11891
RSSD ID
706580
Primary regulator
NCUA
Established
1957
Headquarters
559 N Hermitage Rd, Hermitage, PA 16148
Employees
32

Quick answers

Mercer County Community Federal Credit Union: common questions

Is Mercer County Community Federal Credit Union NCUA insured?

Yes. Mercer County Community Federal Credit Union is a federally insured credit union (NCUA charter #11891). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Mercer County Community Federal Credit Union's TellerScore?

50 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Mercer County Community Federal Credit Union have?

1 office as of the latest NCUA data.