Federal credit union · MERCED, California · NCUA charter #9119
Merced School Employees
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $859.2M
- Total assets
- 50,632
- Members
- 11.4%
- Net-worth ratio
Merced School Employees scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $859.2M; members 50,632; net-worth ratio 11.44%; health rank #1,284 of 4,374; healthier than 69th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#1,284 of 4,374 health · 2025Q4Merced School Employees · health 89/100 · $859.2M · 2025Q4
- DELQ 89/100
- ROA 11.4%
- ASSETS 0.72%
- MEM 0.88%
- RANK $859.2M
- PHOTO 50,632
- BOOK #1,284/4,374
- CHARTER TRIANGLE
- NCUSIF 9119
Call Report peers
Merced School Employees in the assets neighbourhood
Merced School Employees's $859.2M assets sit next to TRIANGLE ($858.7M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Merced School Employees vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
89 Top 31% higher than 69% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Merced School Employees - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #9119, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Merced School Employees: Call Report deltas vs peers
- Strongest edge vs 749 Over $500M peers is Return on Assets: +0.37 pp (0.88% vs 0.51%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -42.87 pp (41.03% vs 83.90%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
California standing for Merced School Employees
- California health ordinal: #78 of 243.
- California assets place: #73 of 243.
- California membership ordinal: #68 of 243.
In-state ordinals use the live credit_unions table for CA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Merced School Employees
Merced School Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +4.5% from $859.2M (2025Q4) to $897.5M (2026Q1).
- Net-worth ratio shifted -0.15 pp (11.59% → 11.44%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 11.44% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 89/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 89.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 22.8 pts
- Return on Assets 15.0 pts
- Member Growth 11.3 pts
- Loan-to-Share Ratio 9.9 pts
Merced School Employees health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.44% | +0.26 pp |
| Delinquency Rate | 0.72% | -0.16 pp |
| Return on Assets | 0.88% | +0.37 pp |
| Member Growth | 1.90% | - |
| Loan-to-Share Ratio | 41.03% | -42.87 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Merced School Employees filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $897.5M | - |
| 2025Q4 | $859.2M | 50,632 |
| 2024Q4 | $785.0M | 49,688 |
| 2023Q4 | $749.5M | 48,600 |
Credit Union Details
- Charter Number
- 9119
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- California
- City
- MERCED
- Data Quarter
- 2025Q4
Branch Locations (8)
Per its most recent NCUA branch filing, Merced School Employees runs 8 offices in 5 different cities.
| Office | City |
|---|---|
| MSEFCU Main (Main Office) | Merced, CA |
| MSEFCU Atwater | Atwater, CA |
| Delhi High School Hawk Branch | Delhi, CA |
| Le Grand High School Bulldog Branch | Le Grand, CA |
| MSEFCU Los Banos | Los Banos, CA |
| MSEFCU M St. | Merced, CA |
| Merced High School Bear Branch | Merced, CA |
| Golden Valley High Cougar Branch | Merced, CA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in California
A look at other California credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
Cross-state asset and health neighbours for Merced School Employees - kept outside California; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($859.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (89/100 here).
Using this data
- Merced School Employees ranks #1,284 of 4,374 nationally on financial health and #78 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- OCEANAIR is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with OCEANAIR
- Rates and health both vary by institution, not just by state -- see how California credit unions compare overall before assuming this one is typical. California state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Merced School Employees financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Merced School Employees carries a financial health score of 89/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #1,284 of 4,374; by total assets it ranks #526 of 4,374 nationally (same basis as /rankings/largest); and #73 of 243 within California. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 11.44% net worth ratio and a 0.72% delinquency rate.
How does Merced School Employees compare to other credit unions?
Five weighted metrics from NCUA filings produce Merced School Employees's 89/100 score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Merced School Employees?
Merced School Employees operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Merced School Employees directly for the exact boundaries and application steps.
Is my money safe at Merced School Employees?
Federal credit unions like Merced School Employees are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Merced School Employees's net worth ratio of 11.44% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Merced School Employees offer compared to banks?
Credit unions like Merced School Employees are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Merced School Employees directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.