TellerScore

Mercer Credit Union (NCUA charter #65995) is based in Aledo, Illinois. Its Q2 2026 call report shows $2.6M in total assets and $2.2M in member shares and deposits and 1 office.

Based on its Q2 2026 filing, Mercer Credit Union scores 68/100, which we describe as moderate. That is higher than only 36% of 2,479 credit unions with under $100 million in assets. Among 188 credit unions headquartered in Illinois, it ranks 128th. Its strongest component is capital cushion (99/100; 14.90%), and its lowest is earnings (33/100; 0.32%).

TellerScore · Q2 2026

Scorecard

Capital cushion99/100
Net worth ratio: 14.90%
Loan quality46/100
Loans 60+ days delinquent ÷ total loans: 1.61%
Earnings33/100
Return on assets (annualized): 0.32%
Funding & liquidity80/100
Loans ÷ shares: 80.5% · 0.0% uninsured
Problem-loan coverage86/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 7.13%

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 10 points (58 → 68), mostly because the loan quality component improved by 46 points.

TellerScore
587388Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202474
Q3 202478
Q4 202476
Q1 202582
Q2 202558
Q3 202588
Q4 202574
Q1 202665
Q2 202668
Net worth ratio
7.00%11.52%16.04%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202413.72%
Q3 202414.40%
Q4 202414.34%
Q1 202514.81%
Q2 202515.40%
Q3 202516.04%
Q4 202515.40%
Q1 202615.12%
Q2 202614.90%
Delinquent loans (60+ days)
0.07%1.53%2.99%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.70%
Q3 20240.68%
Q4 20240.63%
Q1 20250.68%
Q2 20252.99%
Q3 20250.07%
Q4 20251.24%
Q1 20261.44%
Q2 20261.61%
Return on assets
-1.10%0.01%1.13%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.51%
Q3 20240.73%
Q4 20240.49%
Q1 20251.09%
Q2 20250.80%
Q3 20251.13%
Q4 20250.59%
Q1 2026-1.10%
Q2 20260.32%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202668$2.6M14.90%1.61%0.32%80.5%
Q1 202665$2.6M15.12%1.44%-1.10%74.8%
Q4 202574$2.5M15.40%1.24%0.59%82.2%
Q3 202588$2.5M16.04%0.07%1.13%88.7%
Q2 202558$2.5M15.40%2.99%0.80%88.2%
Q1 202582$2.6M14.81%0.68%1.09%82.2%
Q4 202476$2.6M14.34%0.63%0.49%84.2%
Q3 202478$2.6M14.40%0.68%0.73%85.9%
Q2 202474$2.7M13.72%0.70%0.51%85.8%

2,479 peers · Under $100 million in assets

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 ratio14.90%
53rd
Problem loans1.61%
26th
Net charge-offs0.00%
77th
Return on assets0.32%
32nd
Loans to deposits80.5%
19th
Uninsured deposits0.0%
81st
Loan-loss reserves0.70%
80th
Texas ratio7.1%
21st

Similar-size credit unions in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
N.I.C.E. Federal Credit UnionCredit union Geneva, IL62 out of 100, Moderate$2.6M7.4%0.00%vs
Aurora Firefighters' Credit UnionCredit union Aurora, IL93 out of 100, Very strong$2.7M16.1%0.00%vs
Williamson County Catholic Credit UnionCredit union Herrin, IL67 out of 100, Moderate$2.8M8.8%0.00%vs
B.E.A. Credit UnionCredit union Bethalto, IL54 out of 100, Below average$2.4M26.8%5.12%vs
Salem School System Credit UnionCredit union Salem, IL87 out of 100, Very strong$2.2M30.9%0.00%vs
Quincy Postal Employees Credit UnionCredit union Quincy, IL63 out of 100, Moderate$2.2M16.8%2.67%vs

Deposit insurance

Is my money safe at Mercer Credit Union?

Yes. Mercer Credit Union is a federally insured credit union (NCUA charter #65995). 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 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 14.90%, well 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 Credit Union lists 1 office in 1 city. Most locations:

  • Aledo, IL (1)

All branch addresses and map

Identity & history

Profile

Legal name
Mercer Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
65995
RSSD ID
381491
Primary regulator
State + NCUA
Established
1969
Headquarters
100 S.E. 3rd Ave, Aledo, IL 61231
Employees
3

Quick answers

Mercer Credit Union: common questions

Is Mercer Credit Union NCUA insured?

Yes. Mercer Credit Union is a federally insured credit union (NCUA charter #65995). 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 Credit Union's TellerScore?

68 out of 100 (Moderate), 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 Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Aledo

InstitutionScoreAssetsCapitalProblem loansCompare
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Blue Grass Savings BankBank Blue Grass, IA89 out of 100, Very strong$225.5M14.3%0.34%vs
Members Community Credit UnionCredit union Muscatine, IA82 out of 100, Strong$99.2M12.5%0.25%vs
Service Plus Credit UnionCredit union Moline, IL81 out of 100, Strong$34.7M12.3%0.46%vs