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Merco
Merced, CA · NCUA Charter #64766 · State charter, federally insured · Chartered 1966
Total assets
$207.30M
Shares & deposits
$180.16M
Total loans
$120.40M
Members
16,315
Net worth
$25.87M
Branches
4
Rank: #1,263 of 4,299 U.S. credit unions by assets · #119 of 239 in California. Assets changed 0.4% and membership 4.2% over the year to June 30, 2026.
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Key ratios
| Net worth ratio (capital) | 12.56% |
| Return on assets (annualized, approx.) | 0.00% |
| Delinquent loans, 2+ months (share of loans) | 0.79% |
| Loans to shares & deposits | 66.8% |
| Net income (YTD) | $0 |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $177.07M | $156.78M | $0 | $18.96M |
| Jun 2023 | $168.30M | $146.73M | $0 | $20.14M |
| Jun 2024 | $186.21M | $164.32M | $0 | $20.75M |
| Jun 2025 | $206.43M | $179.81M | $0 | $24.71M |
| Jun 2026 | $207.30M | $180.16M | $0 | $25.87M |
Branch footprint
| State | Branches |
|---|---|
| California | 4 |
Similar-sized credit unions
Red Wing ($208.03M) · Summit Choice ($206.61M)
Source: NCUA Call Report (Form 5300) as of June 30, 2026. Credit unions are member-owned cooperatives; deposits are insured by the NCUSIF. See methodology.
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