Merced School Employees
Merced, CA · Charter 9119 · Peer group: credit unions under $1B in assets in CA (n=62-63)
NCUA · 8 branches
Q2 2026
$899.0MAssets
$306.2MLoans
$797.0MShares
$105.7MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 87% of credit unions under $1B in assets in CA (rank 8 of 63).
- Widest gap: net interest margin trails 75% of credit unions under $1B in assets in CA (rank 47 of 63).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
1.37%
Rank 12 of 63
Net Interest Margin
3.22%
Rank 47 of 63
Efficiency Ratio
63.88%
Rank 9 of 63
Equity / Assets
11.76%
Rank 28 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.37% | 0.17% | 0.56% | 1.17% | Beats 81% | 12 / 63 | |
| Return on Equity | 11.62% | 1.81% | 4.79% | 8.64% | Beats 87% | 8 / 63 | |
| Net Interest Margin | 3.22% | 3.18% | 3.49% | 3.98% | Beats 25% | 47 / 63 | |
| Efficiency Ratio | 63.88% | 70.58% | 81.25% | 89.21% | Beats 87% | 9 / 63 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.44% | 0.17% | 0.42% | 0.85% | Beats 47% | 34 / 62 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.76% | 8.61% | 10.56% | 14.01% | Beats 56% | 28 / 63 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.76% | 8.61% | 10.56% | 14.01% | Beats 56% | 28 / 63 | |
| Liquidity & Funding |
| Loans / Deposits | 38.42% | 53.46% | 72.75% | 85.33% | 0th pctl | 62 / 62 | |
| Loans / Assets | 34.05% | 46.35% | 58.08% | 72.17% | 5th pctl | 60 / 63 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |