Meridian

Ottumwa, IA · 2 · Charter #64212 · www.mymeridiancu.org
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$33.7M
82th percentile
Members
2,102
68th percentile
Total loans
$13.6M
75th percentile
Total shares
$28.1M
81th percentile

Profitability

Return on assets
1.17%
66th percentile
Net interest margin
3.56%
35th percentile
Efficiency ratio
64.63%
54th percentile
Non-interest income ratio
14.52%
67th percentile

Capital & Risk

Net worth ratio
16.53%
59th percentile
Delinquency rate
0.36%
63th percentile
Net charge-off rate
0.88%
20th percentile
Loan-to-share
48.49%
32th percentile

Growth

Member growth YoY
-2.32%
40th percentile
Asset growth YoY
-1.68%
31th percentile
Loan growth YoY
4.19%
77th percentile
Share growth YoY
-2.85%
30th percentile

Operations

Members / branch
1,051
48th percentile
Assets / member
$16,047
89th percentile
Field of membership penetration
1.72%
10th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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