Merco
Merced, CA · Charter 64766 · Peer group: credit unions under $1B in assets in CA (n=62-63)
NCUA · 4 branches
Q2 2026
$207.3MAssets
$120.4MLoans
$180.2MShares
$25.9MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 97% of credit unions under $1B in assets in CA (rank 2 of 63).
- Widest gap: nonperforming loans / loans trails 92% of credit unions under $1B in assets in CA (rank 58 of 62).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
0.83%
Rank 24 of 63
Net Interest Margin
5.33%
Rank 2 of 63
Efficiency Ratio
60.47%
Rank 6 of 63
Equity / Assets
12.48%
Rank 23 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.83% | 0.17% | 0.56% | 1.17% | Beats 62% | 24 / 63 | |
| Return on Equity | 6.62% | 1.81% | 4.79% | 8.64% | Beats 60% | 25 / 63 | |
| Net Interest Margin | 5.33% | 3.18% | 3.49% | 3.98% | Beats 97% | 2 / 63 | |
| Efficiency Ratio | 60.47% | 70.58% | 81.25% | 89.21% | Beats 92% | 6 / 63 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.34% | 0.17% | 0.42% | 0.85% | Beats 8% | 58 / 62 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.48% | 8.61% | 10.56% | 14.01% | Beats 63% | 23 / 63 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.48% | 8.61% | 10.56% | 14.01% | Beats 63% | 23 / 63 | |
| Liquidity & Funding |
| Loans / Deposits | 66.83% | 53.46% | 72.75% | 85.33% | 45th pctl | 34 / 62 | |
| Loans / Assets | 58.08% | 46.35% | 58.08% | 72.17% | 49th pctl | 32 / 63 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |