BlastPoint's Credit Union Scorecard
MERCED SCHOOL EMPLOYEES
Charter #9119 · CA
MERCED SCHOOL EMPLOYEES has 1 strength but faces 4 concerns
How does the industry compare?
What's your peer group doing?
How does CA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.52% above tier average
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 26.1% in tier
- - Loan-to-Share Ratio: Bottom 0.9% in tier
- - Loan-to-Member Ratio (LMR): Bottom 1.8% in tier
- - Total Loans: Bottom 2.7% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 111 credit unions with $750M-$1B in assets nationally, and 1 of 12 that size in California.
- Shares and deposits +6.5% year over year ($797M in shares and deposits).
- Membership: 50,714 members, +1.4% vs a year ago.
- Delinquency rate 0.44%.
- Return on assets 1.37%.
- Efficiency ratio 63.89% vs a 74.54% peer average.
- Loan-to-share ratio 38.42% vs a 82.60% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
50,714
+1.4% YoY-0.4% QoQ
|
-1.8K |
52,482
+1.3% YoY
|
67,400
+7.3% YoY
|
34,678
+6.6% YoY
|
46% |
| Assets |
$899.0M
+6.9% YoY+0.2% QoQ
|
+$35.1M |
$863.9M
+0.5% YoY
|
$1.4B
+10.3% YoY
|
$593.1M
+10.2% YoY
|
63% |
| Loans |
$306.2M
-2.4% YoY+0.4% QoQ
|
$-301.6M |
$607.8M
+2.1% YoY
|
$958.9M
+10.2% YoY
|
$418.6M
+10.1% YoY
|
Bottom 1.8% in tier |
| Deposits |
$797.0M
+6.5% YoY+0.2% QoQ
|
+$57.0M |
$739.9M
+0.2% YoY
|
$1.2B
+11.1% YoY
|
$504.8M
+10.3% YoY
|
74% |
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| ROA |
1.4%
+22.1% YoY-1.3% QoQ
|
+0.5% |
0.8%
+30.4% YoY
|
2.5%
+328.4% YoY
|
1.2%
+121.4% YoY
|
82% |
| NIM |
3.2%
+7.7% YoY+3.0% QoQ
|
-0.3% |
3.5%
+6.2% YoY
|
3.4%
+4.4% YoY
|
3.8%
+2.3% YoY
|
27% |
| Efficiency Ratio |
63.9%
-1.0% YoY-3.0% QoQ
|
-10.7% |
74.5%
-1.4% YoY
|
79.7%
-4.5% YoY
|
83.0%
-5.3% YoY
|
Top 13.5% in tier |
| Delinquency Rate |
0.4%
-41.2% YoY+0.6% QoQ
|
-0.4 |
0.8%
+1.0% YoY
|
0.7%
-14.3% YoY
|
1.3%
+2.6% YoY
|
25% |
| Loan To Share |
38.4%
-8.3% YoY+0.2% QoQ
|
-44.2% |
82.6%
+1.9% YoY
|
69.0%
+0.5% YoY
|
66.4%
-1.4% YoY
|
Bottom 0.1% in tier |
| AMR |
$21,751
+2.4% YoY+0.7% QoQ
|
$-7K |
$28,702
+0.4% YoY
|
$29,171
+2.5% YoY
|
$20,028
-0.9% YoY
|
20% |
| CD Concentration |
26.4%
+10.5% YoY-0.8% QoQ
|
+1.9% | 24.6% | 22.2% | 20.0% | 58% |
| Indirect Auto % |
27.3%
-11.5% YoY-3.3% QoQ
|
+13.7% | 13.6% | 9.2% | 7.7% | 81% |
Signature Analysis
Strengths (0)
Concerns (1)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)