Merced, CA · State Credit Union · Chartered in CA
Who can join
State government employees (special charter)
Members
16,190
Net Worth Ratio
12.51%
min. 7% = Well Capitalized
Contact & Details
NCUACredit unions are exempt from CRA. The Community Reinvestment Act applies only to FDIC-insured banks and thrifts. Credit unions are regulated by NCUA and evaluated under a separate safety and soundness framework.
Total Assets
$207.0M
Total Shares
$179.9M
Total Loans
$121.6M
Net Income
$739K
Net Worth Ratio
12.51%
≥7% = Well Capitalized
Members
16,190
Return on Assets
0.36%
annualized · >0.5% healthy
Delinquency Rate (60d+)
1.09%
$1.3M
| Year | Applications | Originated | Denials | Orig. Rate | Denial Rate |
|---|---|---|---|---|---|
| 2023 | 28 | 13 | 7 | 46.4% | 25.0% |
| 2022 | 38 | 18 | 5 | 47.4% | 13.2% |
| 2021 | 82 | 43 | 9 | 52.4% | 11.0% |
No CFPB complaint data available for this credit union.
Merced Main
1911 M ST, Merced, CA, 95340-3706
Business Hours Monday - Thursday: 9:00 am to 5:00 pm Friday: 9:00 am to 5:30 pm Saturday: 10:00 am to 2:00 pm Drive-Up Te
Mariposa Branch
5011 Coakley Cir, Mariposa, CA, 95338
Monday - Friday: 9:00 am to 5:00 pm
Accounting/Admin Office
815 W 18th St, Merced, CA, 95340
Monday - Friday 8am - 5pmNot a member service location. Administrative only.
Atwater Branch
598 Bellevue Rd, Atwater, CA, 95301
M-F 9:30am to 5:00pm
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<a href="https://bankscorer.com/credit-union/merco" target="_blank" rel="noopener">View MERCO on Bank Scorer</a>Data sourced from NCUA 5300 Call Report and branch data. Updated quarterly.
Loan-to-share ratio: 67.6%· healthy range 60–80%