Charter 9119 · Merced, CA
Merced School Employees Federal Credit Union
Merced School Employees Federal Credit Union is a federally chartered credit union in Merced, California, with $899 million in assets and 50,714 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 11.76%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $899 million
- +6.9% in a year
- Members
- 50,714
- +1.4% in a year
- Net worth ratio
- 11.76%
- Peer median 10.79%
- Loans 60+ days late
- 0.44%
- Peer median 0.67%
- Loans outstanding
- $306 million
- -2.4% in a year
- Shares and deposits
- $797 million
- +6.5% in a year
- Branches
- 8
- 141 employees
- Opened
- 1954
- Federal charter
How Merced School Employees Federal Credit Union compares
NCUA groups credit unions by size; Merced School Employees Federal Credit Union is in the group with $500 million and up (759 credit unions). Its net worth ratio of 11.76% is higher than that group's median of 10.79%, and its share of loans 60 or more days past due, 0.44%, is lower than the group median of 0.67%. Loans fell 2.4% over the year to Q2 2026, against a group median of 5.3% growth.
By assets it ranks 71 of 239 credit unions headquartered in California. See all California credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $899 million | 50,714 | $306 million | 11.76% | 0.44% |
| Q1 2026 | $898 million | 50,925 | $305 million | 11.44% | 0.44% |
| Q4 2025 | $859 million | 50,632 | $311 million | 11.59% | 0.72% |
| Q3 2025 | $854 million | 50,449 | $312 million | 11.32% | 0.62% |
| Q2 2025 | $841 million | 50,006 | $314 million | 11.19% | 0.75% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 105,379 potential members.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 8 sites for Merced School Employees Federal Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- MSEFCU Main (main office)
1021 Olivewood Dr, Merced, CA 95348 - MSEFCU Los Banos
1890 S Mercy Springs Rd, Los Banos, CA 93635 - MSEFCU M St.
1935 M St, Merced, CA 95340 - MSEFCU Atwater
101 Bellevue Rd, Atwater, CA 95301 - Merced High School Bear Branch
205 W Olive Ave, Merced, CA 95348 - Le Grand High School Bulldog Branch
12961 Le Grand Rd, Le Grand, CA 95333 - Delhi High School Hawk Branch
16881 Schendel Ave, Delhi, CA 95315 - Golden Valley High Cougar Branch
2121 E Childs Ave, Merced, CA 95341
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology