Rahway, New Jersey · Peer group 6
Merck Employees Credit Union
Merck Employees Credit Union holds $1.71B in assets across 23,992 members as of Q1 2026 — about $71K of assets per member, on a charter dating to 1936. Charter number 1454, in the $1B-$10B asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $1.71B |
|---|---|
| Total loans | $215.5M |
| Total shares (deposits) | $1.26B |
| Net worth | $256.7M |
| Members | 23,992 |
| Assets per member | $71K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | -8.3% | |
|---|---|---|
| Loans | 3.1% | around the 41st percentile of its peer group |
| Deposits | -3.2% | lower than 95% of its peer group |
| Members | -0.7% | around the 27th percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 17.1% | lower than 100% of its peer group |
|---|---|---|
| Net worth ratio | 15.0% | higher than 93% of its peer group |
| Return on assets | 0.65% | around the 48th percentile of its peer group |
| Delinquency ratio | 0.37% | around the 25th percentile of its peer group |
| Cash / assets | 3.0% | lower than 95% of its peer group |
| Borrowings / assets | 11.3% | higher than 95% of its peer group |
What this page does not show
Everything above is Merck Employees Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within New Jersey — the comparison set a peer ratio is measured against.
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