MERCO
Merced, CA · State Credit Union · Chartered in CA
Who can join
State government employees (special charter)
Members
16,190
Net Worth Ratio
12.51%
min. 7% = Well Capitalized
Credit unions are exempt from CRA. The Community Reinvestment Act applies only to FDIC-insured banks and thrifts. Credit unions are regulated by NCUA and evaluated under a separate safety and soundness framework.
At a Glance
Total Assets
$207.0M
Peer Group 5
Members
16,190
as of latest quarter
Net Worth Ratio
12.51%
Well Capitalized
Institution Profile
NCUAWebsite
Phone
Address
Chartered
Branch Locations
Membership Eligibility
Financial Snapshot
Total Assets
$207.0M
Total Shares
$179.9M
Total Loans
$121.6M
Net Income
$739K
Net Worth Ratio
12.51%
≥7% = Well Capitalized
Members
16,190
Return on Assets
0.36%
annualized · >0.5% healthy
Delinquency Rate (60d+)
1.09%
$1.3M
Loan-to-share ratio: 67.6%· healthy range 60–80%
Branch Locations
NCUAMerced Main
1911 M ST, Merced, CA, 95340-3706
Business Hours Monday - Thursday: 9:00 am to 5:00 pm Friday: 9:00 am to 5:30 pm Saturday: 10:00 am to 2:00 pm Drive-Up Te
Mariposa Branch
5011 Coakley Cir, Mariposa, CA, 95338
Monday - Friday: 9:00 am to 5:00 pm
Accounting/Admin Office
815 W 18th St, Merced, CA, 95340
Monday - Friday 8am - 5pmNot a member service location. Administrative only.
Atwater Branch
598 Bellevue Rd, Atwater, CA, 95301
M-F 9:30am to 5:00pm
Mortgage Lending (HMDA)
Credit unions that originate mortgages report Home Mortgage Disclosure Act (HMDA) data to the CFPB. This data covers application volumes, approvals, denials, and borrower demographics.
Consumer Complaints
No CFPB complaint data available for this credit union.
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<a href="https://bankscorer.com/credit-union/merco" target="_blank" rel="noopener">View MERCO on Bank Scorer</a>Data sourced from NCUA 5300 Call Report and branch data. Updated quarterly.