Merco
Merco is a credit union based in Merced, California, established in 1966, with $207 million in total assets serving 16,190 members. By Trust Grade it ranks 22nd of 241 credit unions we track in California. Its net worth ratio of 12.5% is stronger than 66% of similarly sized credit unions, versus a California median of 11.1%. It was profitable over the most recent period, with a 1.43% return on assets. No consumer complaints against Merco appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Merco compares to California peers
How we graded Merco
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (12.5% capital ratio)
- Strongly profitable (ROA 1.43%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Merco over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at Merco insured?
Yes. Merco is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Merco: frequently asked questions
Is Merco a good credit union?
Merco earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (12.5% capital ratio); Strongly profitable (ROA 1.43%).
Is Merco NCUA-insured?
Yes. Merco is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is Merco?
Merco holds $207 million in total assets, ranking 22nd of 241 credit unions we track in California. It serves 16,190 members.
Does Merco have CFPB complaints?
No CFPB complaints against Merco appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
