Merco

Merced, CA · 2 · Charter #64766 · www.merco.org
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$206.9M
91th percentile
Members
16,017
92th percentile
Total loans
$123.4M
87th percentile
Total shares
$171.0M
89th percentile

Profitability

Return on assets
3.51%
100th percentile
Net interest margin
5.08%
97th percentile
Efficiency ratio
47.35%
87th percentile
Non-interest income ratio
29.62%
92th percentile

Capital & Risk

Net worth ratio
12.09%
48th percentile
Delinquency rate
2.09%
9th percentile
Net charge-off rate
2.28%
1th percentile
Loan-to-share
72.13%
57th percentile

Growth

Member growth YoY
3.63%
89th percentile
Asset growth YoY
2.84%
41th percentile
Loan growth YoY
-6.58%
13th percentile
Share growth YoY
-0.48%
20th percentile

Operations

Members / branch
5,339
85th percentile
Assets / member
$12,916
37th percentile
Field of membership penetration
0.78%
12th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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