Civic Intelligence

Merco Credit Union

EIN 94-1366983 • 501(c)14 • Merced, CA

View Organization Page

Profile

Non-profit, State-chartered, Natural Person Credit Union. Provide competitive financial services to the members of Merco Credit Union.

1911 M StreetMerced, CA 95340

www.merco.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

76th percentile

0.91x

Higher debt load relative to assets than 76% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Liabilities / Revenue

25th percentile

12.75x

Higher debt load relative to revenue than 25% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Net Margin

31st percentile

7.4%

Higher net margin than 31% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Top Officer Pay

57th percentile

$249,137

Higher top officer pay than 57% of similar nonprofits.

Top officer pay equals 1.7% of source-year revenue.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Asset Growth

86th percentile

8.4%

Faster asset growth than 86% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2023 to 2024

Revenue Growth

98th percentile

44%

Faster revenue growth than 98% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets76th percentile

Assets

Up

$201,175,702

Up $15,628,990 (+8.4%) from 2023

Liabilities

Up

$183,432,394

Up $14,565,349 (+8.6%) from 2023

Net Assets

Up

$17,743,308

Up $1,063,641 (+6.4%) from 2023

Operations
Liabilities / Revenue25th percentileNet Margin31st percentile

Revenue

Up

$14,381,733

Up $4,406,475 (+44%) from 2023

Expenses

Up

$13,318,092

Up $4,142,540 (+45%) from 2023

Net Income

Up

$1,063,641

Up $263,935 (+33%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth86th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$300M$200M$100M$0Assets 2011: $76,744,263Liabilities 2011: $71,040,191Net Assets 2011: $5,704,0722011Assets 2012: $81,446,560Liabilities 2012: $74,779,577Net Assets 2012: $6,666,9832012Assets 2013: $85,944,034Liabilities 2013: $78,583,810Net Assets 2013: $7,360,2242013Assets 2014: $91,794,930Liabilities 2014: $83,595,395Net Assets 2014: $8,199,5352014Assets 2015: $97,417,687Liabilities 2015: $88,524,517Net Assets 2015: $8,893,1702015Assets 2016: $103,352,432Liabilities 2016: $93,966,452Net Assets 2016: $9,385,9802016Assets 2017: $108,753,776Liabilities 2017: $98,704,133Net Assets 2017: $10,049,6432017Assets 2018: $116,503,078Liabilities 2018: $105,446,907Net Assets 2018: $11,056,1712018Assets 2019: $118,781,516Liabilities 2019: $106,720,713Net Assets 2019: $12,060,8032019Assets 2020: $143,567,580Liabilities 2020: $131,096,187Net Assets 2020: $12,471,3932020Assets 2021: $166,465,181Liabilities 2021: $151,259,494Net Assets 2021: $15,205,6872021Assets 2022: $174,840,743Liabilities 2022: $158,664,075Net Assets 2022: $16,176,6682022Assets 2023: $185,546,712Liabilities 2023: $168,867,045Net Assets 2023: $16,679,6672023Assets 2024: $201,175,702Liabilities 2024: $183,432,394Net Assets 2024: $17,743,3082024

Highlighted filing

2024

Assets$201,175,702
Liabilities$183,432,394
Net Assets$17,743,308
Open 2024 Filing

Operations Trend

Revenue Growth98th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$15M$10M$5.0M$0Expenses 2011: $3,811,9712011Expenses 2012: $3,194,5142012Revenue 2013: $4,136,084Expenses 2013: $3,442,843Net Income 2013: $693,2412013Revenue 2014: $4,269,082Expenses 2014: $3,429,771Net Income 2014: $839,3112014Revenue 2015: $4,384,060Expenses 2015: $3,690,425Net Income 2015: $693,6352015Revenue 2016: $4,543,690Expenses 2016: $4,050,880Net Income 2016: $492,8102016Revenue 2017: $4,835,007Expenses 2017: $4,171,344Net Income 2017: $663,6632017Revenue 2018: $5,581,427Expenses 2018: $4,574,899Net Income 2018: $1,006,5282018Revenue 2019: $6,034,085Expenses 2019: $5,029,453Net Income 2019: $1,004,6322019Revenue 2020: $5,654,431Expenses 2020: $5,243,841Net Income 2020: $410,5902020Revenue 2021: $7,644,762Expenses 2021: $4,910,468Net Income 2021: $2,734,2942021Revenue 2022: $7,877,946Expenses 2022: $6,906,965Net Income 2022: $970,9812022Revenue 2023: $9,975,258Expenses 2023: $9,175,552Net Income 2023: $799,7062023Revenue 2024: $14,381,733Expenses 2024: $13,318,092Net Income 2024: $1,063,6412024

Highlighted filing

2024

Revenue$14,381,733
Expenses$13,318,092
Net Income$1,063,641
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$201,175,702
Liabilities
$183,432,394
Net assets
$17,743,308
Revenue
$14,381,733
Expenses
$13,318,092
Net income
$1,063,641
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$201$183$17.7$14.4$13.3$1.06
2023Summary only. Only limited summary data is available for this year.$186$169$16.7$9.98$9.18$0.80
2022Summary only. Only limited summary data is available for this year.$175$159$16.2$7.88$6.91$0.97
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$166$151$15.2$7.64$4.91$2.73
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$144$131$12.5$5.65$5.24$0.41
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$119$107$12.1$6.03$5.03$1.00
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$117$105$11.1$5.58$4.57$1.01
2017Summary only. Only limited summary data is available for this year.$109$98.7$10.0$4.84$4.17$0.66
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$103$94.0$9.39$4.54$4.05$0.49
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$97.4$88.5$8.89$4.38$3.69$0.69
2014Detailed filing. Detailed filing data is available for this year.$91.8$83.6$8.20$4.27$3.43$0.84
2013Summary only. Only limited summary data is available for this year.$85.9$78.6$7.36$4.14$3.44$0.69
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$81.4$74.8$6.67$3.19
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$76.7$71.0$5.70$3.81
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 14, 2025
Return Version
2024v5.2
Gross Receipts
$14,381,733
Mission and Program Overview

Mission

Non-profit, State-chartered, Natural Person Credit Union. Provide competitive financial services to the members of Merco Credit Union.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$118,791,619$127,364,718▲ $8,573,099
Investments Program Related$35,150,694$34,988,919▼ $161,775
Savings and Temporary Cash Investments$19,571,363$26,886,993▲ $7,315,630
Rtn Earn Endowment Incm Other Fnds$16,679,667$17,743,308▲ $1,063,641
Cash and Non-Interest-Bearing Accounts$4,656,766$4,864,252▲ $207,486
Land, Buildings, and Equipment, Net$2,916,911$2,780,793▼ $136,118
Receivables From Officers Etc$1,491,785$1,369,154▼ $122,631
Accounts Receivable-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Investments Other Securities-$0-
Investments in Publicly Traded Securities-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Prepaid Expenses and Deferred Charges-$0-
Total Assets$185,546,712$201,175,702▲ $15,628,990
Other Assets Total$2,967,574$2,920,873▼ $46,701
Liabilities
Other Liabilities$163,164,119$178,849,265▲ $15,685,146
Mortgage Notes Payable Secured by Investment Property$3,500,000$3,500,000→ $0
Accounts Payable and Accrued Expenses$2,202,926$1,083,129▼ $1,119,797
Total Liabilities$168,867,045$183,432,394▲ $14,565,349
Net Assets / Fund Balance
Total Net Assets Fund Balance$16,679,667$17,743,308▲ $1,063,641
Total Liabilities and Net Assets / Fund Balance$185,546,712$201,175,702▲ $15,628,990

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$1,756,457$1,119,610$2,876,067
Equipment$364,830$886,785$1,251,615
Land$659,506-$659,506
Leasehold Improvements-$140,715$140,715
Compensation and Service Providers
Top Officer Pay57th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
David W NessPresident & CEOFT$209,160$39,977$249,137
David Bren HorrocksVP Finance/CFOFT$140,021$21,443$161,464
Donna MaherVP HR &TrainingFT$127,999$12,778$140,777
Jennifer TosteVP Branch OpFT$126,392$12,616$139,008
Shay LopezVP Chief LendinFT$124,357-$124,357

Board Members and Trustees

NameTitle
Barbara JamisonBoard Member
Hubert WalshBoard Member
Jim MurphyBoard Member
Joe SapienBoard Member
John PedrozoBoard Member
John PriceBoard Member
Kent ChristensenBoard Member
M Stephen JonesBoard Member
Michael RhodesBoard Member
Olivia WebsterBoard Member
Ron KinchloeBoard Member
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$9,846,873
Investment Income
$1,353,732
Other Revenue
$3,181,128
Change in Net Assets
$1,063,641
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$7,634,845
Salaries, Compensation, and Employee Benefits$3,740,446
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Fees for Services Other---$2,068,081
Benefits to Members---$1,942,801
Other Salaries and Wages---$1,924,967
Current Officers, Directors, Trustees, and Key Employees---$1,815,479
Office Expenses---$647,753
Occupancy---$378,751
Advertising---$275,015
Travel---$50,481
Other Expenses---$24,750
Interest---$9,576
All Other Expenses---$-1
Total Functional Expenses$0$0$0$13,318,092
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$1,491,785$1,369,154▼ $122,631
Receivables from Disqualified Persons-$0-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Regular Shares$71,297,142
Share Certificates$43,604,486
Share Drafts$38,748,933
IRA/KEOGH Accounts$9,492,158
Money Market Shares$8,707,384
Non-Member Deposits$6,999,164
rounding$-2
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 7A

“All members eligible to vote at annual meeting for election of board.”

Form 990, Part VI, Section A, Line 7B

“The election of board principally involve the approval by members. Other actions may also require membership approval.”

Form 990, Part VI, Section B, Line 11B

“The return preparer e-mails a draft of the form 990 to a designated officer and/or ceo of the credit union for review. The designated officer and/or ceo sends a copy to the board of director (s). The designated individual(s) review the draft and present any questions, comments, or corrections to the return preparer. Upon satisfactory completion of the form 990, the organization's authorized individual signs the appropriate signature form(s) to authorize the electronic filing of the return. A copy of the form 990, as filed, is provided by the return preparer to theorganization's ceo or other designated individual(s).”

Form 990, Part VI, Section B, Line 15A

“The ceo salary is reviewed by the board using salary survey information. Other officers are reviewed by the ceo utilizing salary survey information. Board members are unpaid.”

Form 990, Part VI, Section B, Line 15B

“Other officers are reviewed by the ceo utilizing salary survey information.”

Form 990, Part VI, Section C, Line 19

“Governing documents and financial statements are available upon request.”

Filing and Contact Details

Filer

Filer Name
MERCO Credit Union
EIN
94-1366983
Phone
2097234285
Address
1911 M Street, Merced, CA 95340

Signing Officer

Name
David W Ness
Title
CEO, President
Signed
2025-11-14
Discuss with paid preparer
Yes

Organization Details

Principal Officer
David W Ness
Formed
1966
Legal Domicile
CA
Voting Board Members
11
Independent Board Members
11
Employees
43
Volunteers
12

Preparer

Firm
Richards & Associates
Address
21520 YORBA LINDA BLVD G-516, YORBA LINDA, CA 92887
Preparer
Richards Associates CPAs
Phone
7142876713
Raw XML AppendixShowing 400 of 669 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990/Form990PartVIISectionAGrp/PersonNm13Michael Rhodes
IRS990/Form990PartVIISectionAGrp/PersonNm14John Price
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