Sep, 30, 2025 — MERCER COUNTY COMMUNITY FEDERAL CREDIT UNION is a federal credit union headquartered in HERMITAGE, PA with 2 branch locations and about $111.42 million in total assets. Opened 69 years ago in 1957, MERCER COUNTY COMMUNITY FEDERAL CREDIT UNION has about 12,208 members and employs 33 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | MERCER COUNTY COMMUNITY FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 559 N Hermitage Rd HERMITAGE, PA 16148-3227 |
| Phone: | (724) 981-9410 |
| Fax: | (724) 981-9412 |
| Website: | https://www.mercomfcu.org |
| Branches: | 2 branch locations |
| Members: | 12,208 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 11891 |
|---|---|
| Membership Type: | Community credit unions, urban or rural, other than those designated 'low income' |
| Corporate Credit Union: | No |
| Year Opened: | 1957 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $111,420,445 |
| CEO/Manager: | Sandi Carangi |
| Chairperson: | Edward M Zipay |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 12,082,333 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 6,503,423 |
| Unsecured Loans | 5,843,195 |
| Other Loans | 34,502,581 |
| TOTAL LOANS | 46,849,199 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -687,219 |
| Land And Building | 6,545,909 |
| Other Fixed Assets | 703,362 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 945,431 |
| All Other Assets | 0 |
| TOTAL ASSETS | 111,420,445 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 146,831 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 222,820 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 15,736,264 |
| Regular shares | 65,898,137 |
| All Other Shares & Deposits | 17,503,133 |
| TOTAL SHARES & DEPOSITS | 99,137,534 |
| TOTAL LIABILITIES | 99,507,185 |
| Regular Reserve | 0 |
| Other Reserves | 221,088 |
| Undivided Earnings | 11,692,172 |
| TOTAL EQUITY | 11,913,260 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 111,420,445 |
| INCOME & EXPENSE | |
| Loan Income | 2,588,423 |
| Investment Income | 1,273,891 |
| Other Income | 299,783 |
| Total Employee Compensation & Benefits | 1,441,494 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 1,194,995 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 657,921 |
| Cost of Funds | 471,851 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 578,259 |
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