Credit Union Safety Analysis
Is Merck Sharp & Dohme Federal Credit Union Safe? Chalfont, Pennsylvania
Based on its Q2 2026 NCUA 5300 call report, Merck Sharp & Dohme Federal Credit Union has a net worth ratio of 9.66%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.39%, and its shares are NCUA insured up to $250,000 per member.
BankRegReports is independent of Merck Sharp & Dohme Federal Credit Union and never asks for online banking logins or passwords.
Short answer
On its Q2 2026 NCUA 5300 call report, Merck Sharp & Dohme Federal Credit Union's net worth ratio is 9.66%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 9.66%
- Delinquency ratio (60+ days) (Q2 2026): 0.39%
- Return on assets (Q2 2026): 0.84%
- Loan-to-share ratio (Q2 2026): 50.57%
Merck Sharp & Dohme Federal Credit Union (NCUA charter 6574, established 1950) reported $1.01B in assets and 33,681 members for Q2 2026 from Chalfont, Pennsylvania. It ranks 16 of 269 credit unions in Pennsylvania by total assets. Total assets grew 8.5% from $929.3M on June 30, 2025. It has 653 more members than on June 30, 2025 (+2.0%). Its net worth ratio was down 0.02 percentage points from 9.68% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $248.3M of $461.9M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.39% is below the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 454 credit unions with $1B to $10B in assets: 10.89%; middle half of peers: 9.81% to 12.63%.
Earlier filings: 9.67% for Q1 2026; 9.68% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.68%; middle half of peers: 0.45% to 1.05%.
Earlier filings: 0.27% for Q1 2026; 0.31% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.89%; middle half of peers: 0.59% to 1.25%.
Earlier filings: 0.75% for Q1 2026; 0.78% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 88.03%; middle half of peers: 78.23% to 95.19%.
Earlier filings: 50.07% for Q1 2026; 53.86% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $248.3M
- Used vehicle loans: $121.5M
- New vehicle loans: $36.5M
- Other unsecured loans and lines of credit: $21.3M
- Unsecured credit card loans: $16.3M
- Commercial loans: $11.4M
- Non-federally guaranteed student loans: $6.1M
- Other secured non-real estate loans and lines of credit: $425K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $1.01B | 9.66% | 0.39% | 0.84% | 50.57% |
| March 31, 2026 | $1.01B | 9.67% | 0.27% | 0.75% | 50.07% |
| December 31, 2025 | $960.9M | 9.81% | 0.25% | 0.85% | 52.47% |
| September 30, 2025 | $929.9M | 9.84% | 0.48% | 0.90% | 54.71% |
| June 30, 2025 | $929.3M | 9.68% | 0.31% | 0.78% | 53.86% |
| March 31, 2025 | $923.5M | 9.88% | 0.38% | 0.57% | 52.23% |
Add this badge to your website
Free to use. It shows Merck Sharp & Dohme Federal Credit Union’s latest filed figures and updates each quarter.
How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Merck Sharp & Dohme Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 6574) · FFIEC NIC profile (RSSD 656788)
Frequently asked questions
Is Merck Sharp & Dohme Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Merck Sharp & Dohme Federal Credit Union's net worth ratio is 9.66%, above the 7% NCUA threshold for well capitalized.
Is Merck Sharp & Dohme Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Merck Sharp & Dohme Federal Credit Union is a federally insured credit union (NCUA charter 6574): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Merck Sharp & Dohme Federal Credit Union's key safety ratios?
For Q2 2026, Merck Sharp & Dohme Federal Credit Union reports net worth 9.66%, delinquency 0.39%, ROA 0.84%, loan-to-share 50.57%.
What happens to my money if Merck Sharp & Dohme Federal Credit Union fails?
For Q2 2026, Merck Sharp & Dohme Federal Credit Union held $913.4M in shares and deposits for 33,681 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.