Credit union · NCUA insured
MERCO Credit Union
A $207M credit union headquartered in Merced, CA, with 16,190 members and 3 branches in California. Best rates: CDs 4.00% and savings 0.40% APY.
MERCO Credit Union Carrot Score
84
Carrot Score
Higher than 67% of U.S. banks and credit unions
#4 of 10 in Merced, CA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About MERCO Credit Union
Founded in 1954, MERCO Credit Union is a local, member-owned Community Development Financial Institution serving residents of the Valley area.
- Headquarters
- 1911 M St, Merced, CA 95340-3706
- NCUA charter
- 64766
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, worships, or goes to school in Merced, Mariposa, Madera, Fresno, or Stanislaus Counties.
Family and household
- Membership is open to family members of an existing MERCO Credit Union account holder who reside in California.
Cost to join
- Joining requires a one-time membership fee of $5.
- Joining requires a deposit of $5 to a savings account.
Branches
3 branches in California
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California
3 branches
Merced area · 2
- Merced MainMain office1911 M St, Merced, CA 95340Directions
- Atwater Branch598 Bellevue Rd, Atwater, CA 95301Directions
Mariposa area · 1
- Mariposa Branch5011 Coakley Cir, Mariposa, CA 95338Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 12.56% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 1.34% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.83% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $67 | $76 | — |
- CapitalNet worth ratio12.56%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late1.34%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.83%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$67Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of MERCO Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.