MERCED SCHOOL EMPLOYEES
Charter #9119 · MERCED, CA · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.42% ranks in the 93rd percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 65.89% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
- On Cost of funds, the asset-size band puts this credit union at the 30th percentile but its structural peers at the 56th — a 25-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | MERCED SCHOOL EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $897.53M | 85th pct | 62th pct |
| Members | 50,925 | 74th pct | 69th pct |
| Net worth ratio | 11.44% | 65th pct | 44th pct |
| Return on average assets | 1.42% | 87th pct | 93th pct |
| Net interest margin | 3.19% | 29th pct | 39th pct |
| Cost of funds | 1.19% | 30th pct | 56th pct |
| Loan-to-share | 38.35% | 2th pct | 7th pct |
| Delinquency 60+ days | 0.44% | 35th pct | 39th pct |
| Net charge-off ratio | 0.63% | 70th pct | 49th pct |
| Loan growth YoY | -2.37% | 15th pct | 28th pct |
| Share growth YoY | 5.21% | 73th pct | 77th pct |
| Efficiency ratio | 65.89% | 15th pct | 15th pct |
structural peer set hash: 31d270312b4587de18245d23c217e57b… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.