MERCO Credit Union Profile

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MERCO

Charter #64766 | NCUA Region 3 | FISCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (209) 723-4285

Fax: (209) 723-6213

Founding Date: N/A

Website: http://www.merco.org

Personnel & Operations

President: Christensen, Kent

Manager: Ness, David

FT Employees: 45

PT Employees: 1

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 99

Branches: 3

Hours: Business Hours Monday - Thursday: 9:00 am

Credit Union Profile Summary

MERCO is a FISCU Credit Union. With a total of 15,660 members [1], this institution manages approximately $206,429,074 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 12.18% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at -6.24% [1].

Financial Snapshot

Total Assets [1]
$206,429,074

Total economic resources.

Total Loans [1]
$127,224,568

Total value of outstanding loans.

Total Deposits [1]
$179,805,934

Total funds deposited by members.

Members [1]
15,660

Number of active members.

Performance Ratios

Net Worth Ratio [1]
12.18%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
3.30%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
70.76%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
↑ 10.86%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
↓ -6.24%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
↑ 3.52%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

1911 M ST

Merced, CA, 95340-3706
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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

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Branch Locations

Found 4 branches reported by MERCO (Charter #64766).

Main Office

Merced Main Main Office

Type: Corporate Office

1911 M ST

Merced, CA 95340-3706

Phone: (209) 723-4285

Services: Member Services, ATM, Drive-Thru

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Additional Branches

Atwater

Atwater Branch

Type: Branch Office

1655 Bellevue Rd

Atwater, CA 95301-2608

Phone: (209) 356-2016

Services: Member Services, ATM

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Mariposa

Mariposa Branch

Type: Branch Office

5011 Coakley Cir

Mariposa, CA 95338

Phone: (209) 966-3999

Services: Member Services, ATM

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Merced

Accounting/Admin Office

Type: Corporate Office

815 W 18th St

Merced, CA 95340

Phone: (209) 723-4285

Services: None specified

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