Merced School Employees Federal Credit Union
P O Box 1349
Merced, CA 95341
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2021 Overview
General Credit Union Information
Merced School Employees is an NCUA insured institution located in Merced, CA. It was founded in 1954 and has approximately $717.34 millions in assets.
Who can join?
Our membership consists of all school employees in Merced and Mariposa Counties, MSEFCU and McClatchy Publishing employees, including the list below:
• School Employees of Merced and Mariposa Counties
• UC Merced Employees
• Merced College Employees
• MSEFCU Employees
• McClatchy Publishing Employees
• High School Students of Merced and Mariposa Counties
• UC Merced Students
• Merced College Students (enrolled in 6 units or more)
• Retired School Employees from Merced and Mariposa Counties
• Spouse of a Deceased Primary Member
If you joined the credit union as a primary member, you family and household members may also be eligible for membership:
• Spouse
• Sons and Daughters
• Sons In-Law and Daughters In-Law
• Father and Mother
• Fathers In-Law and Mothers In-Law
• Sisters and Brothers
• Sisters In-Law and Brothers In-Law
• Grandchildren
• Grandparents
• Household Members
| NCUA Insured | Yes / Federally Chartered |
| Charter Number # | # 9119 |
| Date Established | 1954 |
| Assets | $717.34 million |
| Loans | $234.17 million |
| Deposits | $647.84 million |
| Capital | $65.30 million |
Field of Membership Restrictions
Deposit Rates - November 26, 2021
Your Current Location: Virginia, VA 20146
We do not yet have rates for Merced School Employees
We're working to get deposit rates for every credit union in the world. Please bare with us until we are able to get rates for this credit union.
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Note to Merced School Employees
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Loan Rates - November 26, 2021
Your Current Location: Virginia, VA 20146
There are currently no loan rates available for MERCED SCHOOL EMPLOYEES
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Virginia 30 Year Fixed Mortgage Rates 2021
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 1907 |
3.116% | 2.990% | 0.63 | $4,062 | $1,053 | Learn More |
NMLS ID: 3030 |
3.967% | 3.875% | 0.63 | $2,812 | $1,176 | Learn More |
NMLS ID: 3030 |
3.736% | 3.625% | 0.88 | $3,438 | $1,141 | Learn More |
NMLS ID: 1018 |
2.909% | 2.875% | 0.50 | $1,100 | $1,038 | Learn More |
NMLS ID: 1799947 |
3.041% | 3.000% | 0.50 | $1,328 | $1,055 | Learn More |
Featured - Virginia Home Equity Line Of Credit Rates 2021
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Bethpage Federal Credit Union See Table |
Intro APR 2.990 % After Intro: 3.750 % Intro Period: 12 months |
$25,000 |
Learn More
More Info |
Flagstar Bank-Heloc See Table |
4.990 %
|
$0 |
Learn More
More Info |
Note to MERCED SCHOOL EMPLOYEES
To upload and update your bank's rates please register.
It is free to register and add rates.
Branches
Below are Merced School Employees branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Ashburn,Virginia
Climate Initiatives
MERCED SCHOOL EMPLOYEES is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
Financial Details
Merced School Employees Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Merced School Employees. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Texas Ratio
| Merced School Employees | U.S. Average |
|---|---|
| 1.50% | 3.79 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of June 30, 2021, Merced School Employees had $944,458 in non-current loans and $70,369 in owned assets. To cover these potential losses it had $65,303,074 in net worth and $2,268,539 in loans loss reserves. That gives it a Texas Ratio of 1.50%.
Net Worth
| Merced School Employees | U.S. Average |
|---|---|
| 9.1% | 12.22% |
Merced School Employees FCU has a net worth of 9.1% versus the BestCashCow average of 12.22. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
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