| Metric | Meridian Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.6% | +1.3% | -1.9 pts |
| Share growth (YoY) | -1.5% | +0.7% | -2.2 pts |
| Loan growth (YoY) | -1.2% | -2.4% | +1.2 pts |
| ROA | 1.01% | 0.60% | +0.4 pts |
| ROE | 6.2% | 4.1% | +2.1 pts |
ROA ranks in the 69th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $35.1M | $29.5M | $13.1M | $5.7M | $88K | 1.01% | 3.44% | 0.37% | 2,113 |
| Q4 2025 | $33.7M | $28.1M | $13.6M | $5.6M | $254K | 0.75% | 3.56% | 0.36% | 2,102 |
| Q3 2025 | $33.2M | $27.7M | $14.0M | $5.5M | $204K | 0.82% | 3.60% | 0.85% | 2,097 |
| Q2 2025 | $33.7M | $28.2M | $13.7M | $5.4M | $123K | 0.73% | 3.48% | 0.91% | 2,076 |
| Q1 2025 | $35.3M | $29.9M | $13.2M | $5.4M | $73K | 0.83% | 3.30% | 0.41% | 2,068 |
| Q4 2024 | $34.3M | $28.9M | $13.1M | $5.3M | $315K | 0.92% | 3.28% | 0.36% | 2,152 |
| Q3 2024 | $33.3M | $28.0M | $13.5M | $5.3M | $272K | 1.09% | 3.38% | 0.00% | 2,150 |
| Q2 2024 | $33.8M | $28.6M | $14.0M | $5.2M | $157K | 0.93% | 3.24% | 0.46% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Meridian Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.01% | 0.60% | 69th | |
Return on equity Annualized net income ÷ equity or net worth | 6.2% | 4.1% | 65th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.44% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,159 |
Loan mix (Q1 2026): real estate $2.7M · commercial $3.5M · consumer $5.8M · securities $12.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.5% | 81.5% | 23th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Meridian Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Meridian Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Meridian Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Meridian Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.