MERCO
State-Chartered • Merced, California • Est. 1966
Quick Facts
- Charter Number
- #64766
- Type
- State-Chartered
- Established
- 1966
- Headquarters
- Merced, California 95340-3706
- Address
- 1911 M ST
- Branches
- 4
- ATMs
- 3
- Members
- 16,190
- Membership Type
- Community
CUScore Financial Grade
Based on Q1 2026 NCUA Call Report data
Under CUScore's rules, this institution reports a net worth ratio of at least 7% and a delinquency rate below 2%. This simplified grade is informational, is not an official NCUA rating, and does not determine regulatory or deposit-insurance status.
Financial Overview
Total Assets
Members
16,190 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | MERCO |
|---|---|
| Total Assets | $207.0M |
| Members | 16,190 |
| Loans Outstanding | $121.6M |
| Shares & Deposits | $179.9M |
| Net Worth | $25.8M |
| Net Worth Ratio | 12.51% |
| Loan-to-Share Ratio | 67.6% |
| Delinquency Rate | 1.57% |
| Net Income | +$739,074 |
Source: Q1 2026 NCUA Call Report • Reporting date: 3/31/2026
Branch Locations
4 locations · 3 ATMs
Merced Main
Main Office1911 M ST
Merced, CA 95340-3706
Mariposa Branch
5011 Coakley Cir
Mariposa, CA 95338
Accounting/Admin Office
815 W 18th St
Merced, CA 95340
Atwater Branch
598 Bellevue Rd
Atwater, CA 95301
Who Can Join MERCO?
Membership Type: Community
Membership eligibility for MERCO may vary. Contact the credit union directly to confirm qualification requirements.
Contact MERCO directly or visit their website for the most accurate and up-to-date membership eligibility information.
Find More Credit Unions in California
Review the Q1 2026 statewide dataset, aggregate ratios, and institutions ranked by reported assets.
View California RankingsFrequently Asked Questions
MERCO is listed as federally insured in the Q1 2026 NCUA dataset. NCUA share insurance generally covers qualifying accounts up to the standard maximum amount, with coverage depending on account ownership categories. Verify current status and coverage for your accounts with the NCUA or the institution.
As of the Q1 2026 NCUA Call Report, MERCO has 16,190 members and a potential membership field of 2,075,280 people.
MERCO's reported net worth ratio is 12.51% as of Q1 2026. The NCUA's standard net worth ratio threshold for "well capitalized" is 7%, although official status can involve additional rules.
MERCO operates 4 branch locations and has access to 3 ATMs. The main office is located at 1911 M ST, Merced, CA 95340-3706.
MERCO was established in 1966. It is a state-chartered credit union chartered under charter number 64766. The institution has been serving members for 60 years.
Data sourced from the NCUA Quarterly Call Report (Q1 2026). CUScore is an independent directory and is not affiliated with the NCUA or MERCO. All financial data is for informational purposes only.