Swan Hill Credit Union is considering a merger with bankmecu.With about A$30 million in assets, Swan Hill is one of the long tail of small community credit unions that are merger fodder for sector giants such as bankmecu.With $3 billion in assets, bankmecu is the ninth largest in the sector and the most profitable of the large credit unions, with a return on assets of 0.8 per cent.Swan Hill's return on assets was 0.6 per cent last year.bankmecu's last merger was with the Fitzroy and Carlton Community Credit Co-operative earlier this year.The Swan Hill board wrote in a notice to members that it "sees this potential merger as an opportunity to increase the value for customers and staff over the long term."