Credit union · NCUA insured
Mercer County Community FCU
A $114.1M credit union headquartered in Hermitage, PA, with 12,231 members and 2 branches in Pennsylvania. Best rates: CDs 4.04% and savings 0.10% APY.
Mercer County Community FCU Carrot Score
85
Carrot Score
Higher than 71% of U.S. banks and credit unions
#4 of 11 in Hermitage, PA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Mercer County Community FCU
Established in 1957 as Shenango Valley Teachers Federal Credit Union by Sharpsville Area School District teachers, Mercer County Community FCU is a member-owned financial institution.
Headquartered in Hermitage, Pennsylvania, the credit union serves Mercer, Lawrence, Venango, and Crawford counties in Pennsylvania, along with Mahoning, Trumbull, and Columbiana counties in Ohio.
- Headquarters
- 559 N Hermitage Rd, Hermitage, PA 16148-3227
- NCUA charter
- 11891
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or attend school in Mercer, Lawrence, Venango, or Crawford counties in Pennsylvania, or Mahoning, Trumbull, or Columbiana counties in Ohio are eligible for membership.
Family and household
- Immediate family members (spouse, child, sibling, parent, grandparent, grandchild, including step- and adoptive relationships) of individuals eligible through residency, work, worship, or school attendance in the designated counties are eligible for membership.
Cost to join
- Opening and maintaining a share savings account balance of $5.00 is required for membership and represents an ownership share.
Branches
2 branches in Pennsylvania
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Pennsylvania
2 branches
- Mercer County Community FCUMain office559 N Hermitage Rd, Hermitage, PA 16148Directions
- Mercer County Community FCU428 N Sharpsville Ave, Sharon, PA 16146Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 10.76% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 2.98% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.70% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $44 | $76 | — |
- CapitalNet worth ratio10.76%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late2.98%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.70%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$44Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Mercer County Community FCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.