credit union · NCUA 64766 · CA
How big is MERCO?
MERCO (CA, NCUA charter 64766) reported total assets of $207.3M, 16,315 members and a net worth ratio of 12.56% in its Call Report for 2026Q2. That ranks 1263 of 4,299 federally insured credit unions by assets, 504 of 1,061 among credit unions with $100m-$500m in assets, 119 of 239 credit unions in california.
What stands out
MERCO (CA, NCUA charter 64766) reported total assets of $207.3M, 16,315 members and a net worth ratio of 12.56% in its Call Report for 2026Q2. That ranks 1263 of 4,299 federally insured credit unions by assets, 504 of 1,061 among credit unions with $100m-$500m in assets, 119 of 239 credit unions in california. Against its size class: net worth ratio 12.56%, above the peer median of 11.65%; loan-to-share ratio 66.83%, below the peer median of 73.15%; return on assets 0.83%, above the peer median of 0.74%. At 12.56% its net worth ratio is above the 7% NCUA threshold, which puts it in the "well capitalised" band of prompt corrective action; the regulator applies further tests, this page does not.
Key figures, 2026Q2
As filed with the NCUA; ratios computed by FACTANKER. Peer medians are percentile_cont over the group in the same quarter.
| Measure | 2026Q2 | Median, size class | Median, state | Median, all | Evidence |
|---|---|---|---|---|---|
| Total assets | $207.3M | $198.1M | $205.9M | $68.3M | record → |
| Shares and deposits | $180.2M | $172.3M | $179.4M | $58.3M | record → |
| Loans outstanding | $120.4M | $125.2M | $125.6M | $34.4M | record → |
| Net income (year to date) | $856.0k | $766.3k | $432.9k | $222.2k | record → |
| Net worth | $25.9M | $24.5M | $25.9M | $9.0M | record → |
| Net worth ratio | 12.56% | 11.65% | 11.30% | 12.65% | record → |
| Loan-to-share ratio | 66.83% | 73.15% | 72.15% | 68.70% | computed |
| Return on assets | 0.83% | 0.74% | 0.56% | 0.71% | computed |
| Members | 16,315 | 13,230 | 11,423 | 4,818 | record → |
Quarter by quarter
45 Call Reports on record, 2015Q2–2026Q2; the 40 most recent shown.
| Quarter | Total assets | Shares | Loans | Net income YTD | Net worth ratio | Members | Rank |
|---|---|---|---|---|---|---|---|
| 2026Q2 | $207.3M | $180.2M | $120.4M | $856.0k | 12.56% | 16,315 | 1263 |
| 2026Q1 | $207.0M | $179.9M | $121.6M | $739.1k | 12.51% | 16,190 | 1263 |
| 2025Q4 | $206.9M | $179.9M | $123.4M | $3.8M | 12.25% | 16,017 | 1253 |
| 2025Q3 | $202.9M | $175.7M | $125.1M | $3.7M | 12.32% | 15,883 | 1270 |
| 2025Q2 | $206.4M | $179.8M | $127.2M | $3.4M | 12.18% | 15,660 | 1258 |
| 2025Q1 | $208.1M | $181.9M | $129.0M | $3.0M | 12.31% | 15,527 | 1252 |
| 2024Q4 | $201.2M | $178.8M | $132.0M | $1.1M | 11.07% | 15,456 | 1263 |
| 2024Q3 | $195.3M | $173.2M | $135.9M | $510.9k | 11.05% | 15,328 | 1285 |
| 2024Q2 | $186.2M | $164.3M | $135.7M | $376.3k | 11.20% | 15,128 | 1315 |
| 2024Q1 | $188.2M | $166.3M | $131.1M | $152.3k | 11.48% | 14,737 | 1312 |
| 2023Q4 | $185.5M | $163.2M | $122.4M | $799.7k | 11.66% | 14,250 | 1306 |
| 2023Q3 | $172.6M | $150.5M | $117.8M | $682.5k | 11.86% | 13,922 | 1365 |
| 2023Q2 | $168.3M | $146.7M | $111.4M | $460.1k | 11.94% | 13,472 | 1393 |
| 2023Q1 | $171.7M | $150.4M | $106.7M | $166.7k | 11.53% | 13,211 | 1388 |
| 2022Q4 | $174.8M | $153.9M | $102.6M | $971.0k | 11.25% | 12,933 | 1359 |
| 2022Q3 | $175.4M | $154.4M | $93.7M | $856.8k | 11.31% | 12,665 | 1353 |
| 2022Q2 | $177.1M | $156.8M | $86.8M | $253.6k | 11.18% | 12,448 | 1357 |
| 2022Q1 | $172.8M | $156.0M | $83.3M | $135.3k | 9.34% | 12,295 | 1375 |
| 2021Q4 | $166.5M | $150.2M | $81.0M | $2.7M | 9.55% | 12,139 | 1391 |
| 2021Q3 | $161.8M | $145.7M | $79.1M | $2.5M | 9.78% | 11,988 | 1402 |
| 2021Q2 | $155.6M | $141.8M | $75.0M | $481.3k | 8.70% | 11,842 | 1425 |
| 2021Q1 | $152.9M | $139.3M | $70.1M | $174.9k | 8.85% | 11,661 | 1432 |
| 2020Q4 | $143.6M | $130.4M | $70.2M | $410.6k | 9.23% | 11,520 | 1437 |
| 2020Q3 | $143.2M | $129.9M | $70.0M | $274.9k | 9.57% | 11,487 | 1421 |
| 2020Q2 | $131.7M | $118.6M | $70.9M | $145.0k | 9.96% | 11,415 | 1494 |
| 2020Q1 | $121.6M | $108.8M | $71.4M | $131.9k | 10.29% | 11,279 | 1502 |
| 2019Q4 | $118.8M | $105.9M | $70.8M | $1.0M | 10.27% | 11,173 | 1502 |
| 2019Q3 | $117.7M | $105.1M | $69.7M | $764.1k | 10.14% | 11,124 | 1491 |
| 2019Q2 | $115.6M | $103.1M | $67.4M | $522.4k | 10.01% | 10,998 | 1512 |
| 2019Q1 | $117.4M | $105.3M | $65.3M | $261.6k | 9.78% | 10,909 | 1493 |
| 2018Q4 | $116.5M | $104.7M | $63.4M | $1.0M | 9.64% | 10,804 | 1474 |
| 2018Q3 | $115.5M | $104.0M | $60.5M | $698.4k | 9.54% | 10,689 | 1483 |
| 2018Q2 | $113.1M | $101.8M | $57.4M | $445.6k | 9.40% | 10,562 | 1517 |
| 2018Q1 | $113.3M | $102.3M | $53.7M | $206.5k | 9.44% | 10,437 | 1506 |
| 2017Q4 | $108.8M | $98.0M | $51.4M | $663.7k | 9.25% | 10,312 | 1527 |
| 2017Q3 | $111.3M | $100.7M | $50.1M | $470.0k | 9.15% | 10,245 | 1501 |
| 2017Q2 | $109.3M | $99.1M | $46.0M | $293.3k | 9.19% | 10,159 | 1525 |
| 2017Q1 | $106.5M | $96.4M | $43.8M | $83.9k | 9.20% | 10,087 | 1554 |
| 2016Q4 | $103.4M | $93.4M | $43.5M | $492.8k | 9.27% | 10,060 | 1558 |
| 2016Q3 | $102.0M | $92.2M | $43.3M | $382.3k | 9.30% | 10,037 | 1568 |
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