CU Explorer
Credit unions · California · Q2 2026

Merco CU

Credit union in Merced, CA · NCUA charter #64766 · State charter (federally insured)

Legal name: Merco

Latest filed figures, Q2 2026. Every number below comes from the credit union's own NCUA 5300 Call Report.

Total assets$207M
Total loans & leases$120M
Total shares & deposits$180M
Members16,320
Net worth$25.9M
Net worth / assets12.48%
Loans / assets58.08%
Return on assets (annualized)0.83%
Loan growth (YoY)−5.37%
Member growth (YoY)4.18%
Delinquency, all loans (60+ days)1.34%
CharterState charter (federally insured)
Asset band$50M–$250M
NCUA peer group$100M–$500M
Sponsor typeCommunity (inferred from the name)

AI readiness

No public evidence

Nothing public says the credit union uses AI.

No public evidence found as of 2026-09-22. Checked: its website, announcements by AI vendors, news search. Absence of evidence is not evidence of absence; a credit union may use AI without saying so publicly.

Filed signals, from the credit union's own NCUA call report (Q2 2026): uses fintech partners, fintech auto lending, fintech mortgage lending, fintech P2P payments, online membership application, online loan application, online account opening, online loan payments, bill payment, account aggregation, e-signature, e-Statements, external transfers / ACH, remote deposit capture. These are relationships and channels, not AI as such.

The AI Score runs from one to five stars; one star, no public evidence, is never shown on a credit union. Scores and sources for every credit union: CU AI Ready Report.

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