TellerScore

Headquartered in Merced, California, Merced School Employees Federal Credit Union is a federal credit union with $899.0M in total assets and $797.0M in member shares and deposits as of Q2 2026. It operates 8 offices. Its charter dates back to 1954.

Based on its Q2 2026 filing, Merced School Employees Federal Credit Union scores 81/100, which we describe as strong. That is higher than 80% of 1,341 credit unions with $100 million – $1 billion. Among 238 credit unions headquartered in California, it ranks 47th. Its strongest component is funding & liquidity (100/100; 38% loans-to-deposits, 5% uninsured), and its lowest is capital cushion (68/100; 11.76%).

TellerScore · Q2 2026

Scorecard

Capital cushion68/100
Net worth ratio: 11.76%
Loan quality85/100
Loans 60+ days delinquent ÷ total loans: 0.44%
Earnings75/100
Return on assets (annualized): 1.37%
Funding & liquidity100/100
Loans ÷ shares: 38.4% · 5.4% uninsured
Problem-loan coverage97/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.38%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 6 points (75 → 81), mostly because the earnings component improved by 11 points.

TellerScore
747881Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202474
Q3 202476
Q4 202475
Q1 202576
Q2 202575
Q3 202576
Q4 202577
Q1 202680
Q2 202681
Net worth ratio
7.00%9.38%11.76%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.94%
Q3 202411.11%
Q4 202411.40%
Q1 202511.10%
Q2 202511.19%
Q3 202511.32%
Q4 202511.59%
Q1 202611.44%
Q2 202611.76%
Delinquent loans (60+ days)
0.34%0.55%0.75%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.46%
Q3 20240.34%
Q4 20240.69%
Q1 20250.56%
Q2 20250.75%
Q3 20250.62%
Q4 20250.72%
Q1 20260.44%
Q2 20260.44%
Return on assets
0.78%1.08%1.39%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.78%
Q3 20240.91%
Q4 20240.96%
Q1 20251.11%
Q2 20251.11%
Q3 20251.13%
Q4 20251.17%
Q1 20261.39%
Q2 20261.37%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202681$899.0M11.76%0.44%1.37%38.4%
Q1 202680$897.5M11.44%0.44%1.39%38.3%
Q4 202577$859.2M11.59%0.72%1.17%41.0%
Q3 202576$853.9M11.32%0.62%1.13%41.3%
Q2 202575$841.3M11.19%0.75%1.11%41.9%
Q1 202576$826.5M11.10%0.56%1.11%42.0%
Q4 202475$785.0M11.40%0.69%0.96%44.5%
Q3 202476$785.0M11.11%0.34%0.91%44.9%
Q2 202474$776.3M10.94%0.46%0.78%44.7%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.76%
55th
Problem loans0.44%
70th
Net charge-offs0.61%
26th
Return on assets1.37%
84th
Loans to deposits38.4%
96th
Uninsured deposits5.4%
55th
Loan-loss reserves0.00%
50th
Texas ratio1.4%
84th

Similar-size credit unions in California

InstitutionScoreAssetsCapitalProblem loansCompare
Sun Community Federal Credit UnionCredit union El Centro, CA56 out of 100, Moderate$895.6M8.4%0.25%vs
Oceanair Federal Credit UnionCredit union Oxnard, CA49 out of 100, Below average$882.5M7.4%0.48%vs
Community First Credit UnionCredit union Santa Rosa, CA64 out of 100, Moderate$921.0M10.3%1.22%vs
Certified Federal Credit UnionCredit union El Monte, CA88 out of 100, Very strong$925.3M20.7%0.37%vs
Skyone Federal Credit UnionCredit union Hawthorne, CA47 out of 100, Below average$863.3M7.7%1.25%vs
Sacramento Credit UnionCredit union Sacramento, CA96 out of 100, Very strong$858.3M15.1%0.09%vs

Deposit insurance

Is my money safe at Merced School Employees Federal Credit Union?

Yes. Merced School Employees Federal Credit Union is a federally insured credit union (NCUA charter #9119). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 5.4% of shares and deposits ($42.7M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 11.76%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

8 locations

Branches

Merced School Employees Federal Credit Union lists 8 offices in 5 cities. Most locations:

  • Merced, CA (4)
  • Atwater, CA (1)
  • Delhi, CA (1)
  • Le Grand, CA (1)
  • Los Banos, CA (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Merced School Employees Federal Credit Union reported 141 home-loan applications under HMDA (LEI 549300Y37WHI3S8KVE74): 119 originated ($19,445,000 total), 12 denied, and 6 withdrawn or closed by the applicant. Its denial rate on decided applications was 8.9%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Merced School Employees Federal Credit Union
Type
Federal credit union
NCUA charter #
9119
RSSD ID
341682
Primary regulator
NCUA
Established
1954
Headquarters
P O Box 1349, Merced, CA 95341
Employees
141

Quick answers

Merced School Employees Federal Credit Union: common questions

Is Merced School Employees Federal Credit Union NCUA insured?

Yes. Merced School Employees Federal Credit Union is a federally insured credit union (NCUA charter #9119). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Merced School Employees Federal Credit Union's TellerScore?

81 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Merced School Employees Federal Credit Union have?

8 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Merced

InstitutionScoreAssetsCapitalProblem loansCompare
Educational Employees Credit UnionCredit union Fresno, CA96 out of 100, Very strong$5.4B14.6%0.20%vs
Bank of StocktonBank Stockton, CA94 out of 100, Very strong$5.0B19.9%0.08%vs
Farmers & Merchants Bank of Central CaliforniaBank Lodi, CA79 out of 100, Strong$5.8B11.7%0.13%vs
Westamerica BankBank San Rafael, CA78 out of 100, Strong$5.8B10.3%0.12%vs
Oak Valley Community BankBank Oakdale, CA76 out of 100, Strong$2.0B11.5%0.00%vs
Rolling F Credit UnionCredit union Turlock, CA75 out of 100, Strong$63.9M12.0%0.80%vs