MERCO
State-Chartered • Merced, California • Est. 1966
Quick Facts
- Charter Number
- #64766
- Type
- State-Chartered
- Established
- 1966
- Headquarters
- Merced, California 95344
- Address
- PO Box 2955
- Branches
- 4
- ATMs
- 3
- Members
- 16,017
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Adequate financial health. Meets NCUA capital requirements with some metrics worth watching over time.
Financial Overview
Total Assets
Members
16,017 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | MERCO |
|---|---|
| Total Assets | $206.9M |
| Members | 16,017 |
| Loans Outstanding | $123.4M |
| Shares & Deposits | $179.9M |
| Net Worth | $25.0M |
| Net Worth Ratio | 12.25% |
| Loan-to-Share Ratio | 68.6% |
| Delinquency Rate | 2.09% |
| Net Income | +$7,278,320 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
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.
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View California RankingsFrequently Asked Questions
Yes. MERCO 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, MERCO has 16,017 members and a potential membership field of 2,060,351 people.
MERCO's net worth ratio is 12.25% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 12.3%, MERCO meets this threshold.
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 (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or MERCO. All financial data is for informational purposes only.