Meridian Postal Federal Credit Union
Total assets
$4.5M
▼ -6.8% YoY
Shares & deposits
$3.5M
▼ -8.8% YoY
Loans
$866K
▲ +6.2% YoY
Members
335
▼ -2.3% YoY
ROA (annualized)
0.15%
peers 0.60%
ROE (annualized)
0.68%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -6.8% | +1.3% | -8.1 pts |
| Share growth (YoY) | -8.8% | +0.7% | -9.4 pts |
| Loan growth (YoY) | +6.2% | -2.4% | +8.6 pts |
| ROA | 0.15% | 0.60% | -0.5 pts |
| ROE | 0.7% | 4.1% | -3.4 pts |
ROA ranks in the 28th percentile of its peer group · Q1 2026
Profile
- Established
- 1932
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 2
- Address
- P O Box 654, Meridian, MS, 39302
- NCUA charter #
- 24894
- RSSD ID
- 942696
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $4.5M | $3.5M | $866K | $1.0M | $2K | 0.15% | 1.57% | 0.40% | 335 |
| Q4 2025 | $4.8M | $3.8M | $941K | $1.0M | $7K | 0.15% | 1.77% | 3.48% | 342 |
| Q3 2025 | $4.9M | $3.8M | $823K | $1.0M | $6K | 0.16% | 1.75% | 0.00% | 344 |
| Q2 2025 | $4.9M | $3.9M | $836K | $1.0M | $4K | 0.15% | 1.78% | 0.00% | 341 |
| Q1 2025 | $4.9M | $3.8M | $815K | $1.0M | $2K | 0.14% | 1.43% | 0.00% | 343 |
| Q4 2024 | $4.8M | $3.8M | $834K | $1.0M | $6K | 0.13% | 1.49% | 0.00% | 341 |
| Q3 2024 | $4.7M | $3.7M | $870K | $1.0M | $6K | 0.17% | 1.50% | 0.00% | 348 |
| Q2 2024 | $4.7M | $3.7M | $883K | $1.0M | $4K | 0.15% | 1.57% | 0.74% | 349 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $682K · securities $3.2M
Ratio pack Q1 2026 · peer medians from 2508 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.15% | 0.60% | 28th | |
Return on equity Annualized net income ÷ equity or net worth | 0.7% | 4.1% | 26th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.57% | 3.83% | 2th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.8% | 81.5% | 69th | |
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% |
Balance sheet
| Ratio | Value | 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% |
Capital
| Ratio | Value | 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% |
Credit quality
| Ratio | Value | 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% |
Franchise
| Ratio | Value | 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% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
Similar credit unions
- 1St Mississippi Federal Credit UnionMeridian, MS · $81.9M
- Ferguson Federal Credit UnionMonticello, MS · $96.2M
- Metro Federal Credit UnionArlington Heigh, IL · $78.7M
- Cove Federal Credit UnionEdgewood, KY · $78.8M
- Bay Cities Credit UnionHayward, CA · $78.8M
- Castparts Employees Federal Credit UnionPortland, OR · $78.9M
Selling to Meridian Postal Federal Credit Union?
See Pro plan →Peer lists, growth filters, CSV export, CRM push.