Merced, California · Peer group 5
Merco Credit Union
Merco Credit Union holds $207.0M in assets across 16,190 members as of Q1 2026 — about $13K of assets per member, on a charter dating to 1966. Charter number 64766, in the $100M-$500M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $207.0M |
|---|---|
| Total loans | $121.6M |
| Total shares (deposits) | $179.9M |
| Net worth | $25.8M |
| Members | 16,190 |
| Assets per member | $13K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | -0.5% | |
|---|---|---|
| Loans | -5.7% | lower than 92% of its peer group |
| Deposits | -1.1% | around the 16th percentile of its peer group |
| Members | 4.3% | higher than 90% of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 67.6% | around the 41st percentile of its peer group |
|---|---|---|
| Net worth ratio | 12.5% | around the 64th percentile of its peer group |
| Return on assets | 1.43% | around the 87th percentile of its peer group |
| Delinquency ratio | 1.57% | higher than 90% of its peer group |
| Cash / assets | 6.9% | around the 24th percentile of its peer group |
| Borrowings / assets | 1.7% | around the 86th percentile of its peer group |
What this page does not show
Everything above is Merco Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within California — the comparison set a peer ratio is measured against.
- Priority One Credit Union
South Pasadena, CA
$205.7M · 17,123 members
- Long Beach Firemen S Credit Union
Long Beach, CA
$204.3M · 3,244 members
- Alta Vista Credit Union
REDLANDS, CA
$211.7M · 11,782 members
- Schools Credit Union
Torrance, CA
$192.7M · 17,257 members
- Clearpath Credit Union
Burbank, CA
$224.4M · 10,929 members
- Chaffey Credit Union
Upland, CA
$229.1M · 11,786 members
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