Meridia Community

HAMBURG, NY · 1 · Charter #10684 · www.meridiacu.com
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$138.0M
67th percentile
Members
10,147
70th percentile
Total loans
$102.9M
77th percentile
Total shares
$114.6M
65th percentile

Profitability

Return on assets
2.65%
99th percentile
Net interest margin
4.24%
81th percentile
Efficiency ratio
42.89%
93th percentile
Non-interest income ratio
15.82%
42th percentile

Capital & Risk

Net worth ratio
15.90%
81th percentile
Delinquency rate
0.19%
88th percentile
Net charge-off rate
0.20%
67th percentile
Loan-to-share
89.74%
86th percentile

Growth

Member growth YoY
2.51%
83th percentile
Asset growth YoY
7.76%
80th percentile
Loan growth YoY
5.22%
73th percentile
Share growth YoY
6.01%
72th percentile

Operations

Members / branch
3,382
57th percentile
Assets / member
$13,600
43th percentile
Field of membership penetration
0.90%
13th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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