TellerScore

Merco Credit Union (NCUA charter #64766) is based in Merced, California. Its Q2 2026 call report shows $207.3M in total assets and $180.2M in member shares and deposits and 3 offices.

Merco Credit Union has a TellerScore of 70 out of 100 (strong) based on Q2 2026 data — higher than 51% of its 1,341 credit unions with $100 million – $1 billion. Among 238 credit unions headquartered in California, it ranks 119th. Funding & liquidity contributes the most (93/100, 67% loans-to-deposits, 5% uninsured); earnings contributes the least (53/100, 0.83%).

TellerScore · Q2 2026

Scorecard

Capital cushion76/100
Net worth ratio: 12.56%
Loan quality55/100
Loans 60+ days delinquent ÷ total loans: 1.34%
Earnings53/100
Return on assets (annualized): 0.83%
Funding & liquidity93/100
Loans ÷ shares: 66.8% · 4.7% uninsured
Problem-loan coverage85/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 7.40%

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 fell 7 points (77 → 70), mostly because the earnings component weakened by 47 points.

TellerScore
606977Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202462
Q3 202460
Q4 202461
Q1 202577
Q2 202577
Q3 202576
Q4 202569
Q1 202672
Q2 202670
Net worth ratio
7.00%9.78%12.56%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.20%
Q3 202411.05%
Q4 202411.07%
Q1 202512.31%
Q2 202512.18%
Q3 202512.32%
Q4 202512.25%
Q1 202612.51%
Q2 202612.56%
Delinquent loans (60+ days)
1.07%1.58%2.09%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.07%
Q3 20241.29%
Q4 20241.38%
Q1 20251.35%
Q2 20251.39%
Q3 20251.50%
Q4 20252.09%
Q1 20261.57%
Q2 20261.34%
Return on assets
0.35%3.07%5.79%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.40%
Q3 20240.35%
Q4 20240.53%
Q1 20255.79%
Q2 20253.26%
Q3 20252.41%
Q4 20251.82%
Q1 20261.43%
Q2 20260.83%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202670$207.3M12.56%1.34%0.83%66.8%
Q1 202672$207.0M12.51%1.57%1.43%67.6%
Q4 202569$206.9M12.25%2.09%1.82%68.6%
Q3 202576$202.9M12.32%1.50%2.41%71.2%
Q2 202577$206.4M12.18%1.39%3.26%70.8%
Q1 202577$208.1M12.31%1.35%5.79%70.9%
Q4 202461$201.2M11.07%1.38%0.53%73.8%
Q3 202460$195.3M11.05%1.29%0.35%78.5%
Q2 202462$186.2M11.20%1.07%0.40%82.6%

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 ratio12.56%
65th
Problem loans1.34%
17th
Net charge-offs2.75%
0th
Return on assets0.83%
56th
Loans to deposits66.8%
68th
Uninsured deposits4.7%
63rd
Loan-loss reserves0.00%
50th
Texas ratio7.4%
24th

Similar-size credit unions in California

InstitutionScoreAssetsCapitalProblem loansCompare
Alta Vista Credit UnionCredit union Redlands, CA61 out of 100, Moderate$208.6M8.9%0.51%vs
Priority One Credit UnionCredit union South Pasadena, CA87 out of 100, Very strong$205.9M13.9%0.25%vs
Long Beach Firemen S Credit UnionCredit union Long Beach, CA91 out of 100, Very strong$201.5M29.4%0.02%vs
Schools Federal Credit UnionCredit union Torrance, CA74 out of 100, Strong$195.7M11.9%0.48%vs
Clearpath Federal Credit UnionCredit union Burbank, CA55 out of 100, Moderate$228.6M8.5%0.28%vs
Chaffey Federal Credit UnionCredit union Upland, CA59 out of 100, Moderate$230.4M7.7%0.26%vs

Deposit insurance

Is my money safe at Merco Credit Union?

Yes. Merco Credit Union is a federally insured credit union (NCUA charter #64766). 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 4.7% of shares and deposits ($8.5M) 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 12.56%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Merco Credit Union lists 3 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Merco Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
64766
RSSD ID
931597
Primary regulator
State + NCUA
Established
1966
Headquarters
PO Box 2955, Merced, CA 95344
Employees
44

Quick answers

Merco Credit Union: common questions

Is Merco Credit Union NCUA insured?

Yes. Merco Credit Union is a federally insured credit union (NCUA charter #64766). 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 Merco Credit Union's TellerScore?

70 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 Merco Credit Union have?

3 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
Merced School Employees Federal Credit UnionCredit union Merced, CA81 out of 100, Strong$899.0M11.8%0.44%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
Tri Counties BankBank Chico, CA70 out of 100, Strong$9.9B12.0%0.94%vs
Community West BankBank Fresno, CA67 out of 100, Moderate$5.0B11.0%0.56%vs