MERCED SCHOOL EMPLOYEES
Federal • MERCED, California • Est. 1954
Quick Facts
- Charter Number
- #9119
- Type
- Federal
- Established
- 1954
- Headquarters
- MERCED, California 95341
- Address
- P O BOX 1349
- Branches
- 8
- ATMs
- 3
- Members
- 50,632
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
50,632 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | MERCED SCHOOL EMPLOYEES |
|---|---|
| Total Assets | $859.2M |
| Members | 50,632 |
| Loans Outstanding | $310.8M |
| Shares & Deposits | $757.6M |
| Net Worth | $99.6M |
| Net Worth Ratio | 11.59% |
| Loan-to-Share Ratio | 41.0% |
| Delinquency Rate | 0.72% |
| Net Income | +$12,625,557 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
8 locations · 3 ATMs
MSEFCU Main
Main Office1021 Olivewood Dr
Merced, CA 95348-1218
MSEFCU Los Banos
1890 S Mercy Springs Rd
Los Banos, CA 93635
MSEFCU M St.
1935 M St
Merced, CA 95340
MSEFCU Atwater
101 Bellevue Rd
Atwater, CA 95301
Merced High School Bear Branch
205 W Olive Ave
Merced, CA 95348
Who Can Join MERCED SCHOOL EMPLOYEES?
Membership Type: Community
Membership eligibility for MERCED SCHOOL EMPLOYEES may vary. Contact the credit union directly to confirm qualification requirements.
Contact MERCED SCHOOL EMPLOYEES directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View California RankingsFrequently Asked Questions
Yes. MERCED SCHOOL EMPLOYEES is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, MERCED SCHOOL EMPLOYEES has 50,632 members and a potential membership field of 101,711 people.
MERCED SCHOOL EMPLOYEES's net worth ratio is 11.59% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 11.6%, MERCED SCHOOL EMPLOYEES meets this threshold.
MERCED SCHOOL EMPLOYEES operates 8 branch locations and has access to 3 ATMs. The main office is located at 1021 Olivewood Dr, Merced, CA 95348-1218.
MERCED SCHOOL EMPLOYEES was established in 1954. It is a federal credit union chartered under charter number 9119. The institution has been serving members for 72 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or MERCED SCHOOL EMPLOYEES. All financial data is for informational purposes only.