BlastPoint's Credit Union Scorecard
MERIDIA COMMUNITY
Charter #10684 · NY
MERIDIA COMMUNITY has 4 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.42% above tier average
- + Net Interest Margin 0.45% above tier average
- + Efficiency Ratio: Top 2.7% in tier
- + Members Per Employee (MPE): Top 9.8% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Liquidity Overhang: Bottom 50.0% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 55 that size in New York.
- Shares and deposits +3.5% year over year ($118M in shares and deposits).
- Membership: 10,130 members, +0.1% vs a year ago.
- Delinquency rate 0.27%.
- Return on assets 2.28%.
- Efficiency ratio 51.79% vs a 76.73% peer average.
- Loan-to-share ratio 86.41% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
10,130
+0.1% YoY+0.2% QoQ
|
-5.0K |
15,168
-2.6% YoY
|
27,051
+5.9% YoY
|
34,678
+6.6% YoY
|
33% |
| Assets |
$144.1M
+6.0% YoY+1.9% QoQ
|
$-87.9M |
$232.0M
+0.7% YoY
|
$505.5M
+8.1% YoY
|
$593.1M
+10.2% YoY
|
28% |
| Loans |
$101.7M
-2.0% YoY+2.0% QoQ
|
$-44.5M |
$146.3M
+0.2% YoY
|
$338.7M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
36% |
| Deposits |
$117.7M
+3.5% YoY+1.0% QoQ
|
$-83.0M |
$200.7M
+0.2% YoY
|
$431.4M
+8.2% YoY
|
$504.8M
+10.3% YoY
|
23% |
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| ROA |
2.3%
+2.4% YoY-1.7% QoQ
|
+1.4% |
0.9%
+12.5% YoY
|
1.2%
+60.1% YoY
|
1.2%
+121.4% YoY
|
Top 1.8% in tier |
| NIM |
4.1%
-2.3% YoY+0.2% QoQ
|
+0.4% |
3.7%
+4.5% YoY
|
3.6%
-0.3% YoY
|
3.8%
+2.3% YoY
|
77% |
| Efficiency Ratio |
51.8%
+6.1% YoY-0.6% QoQ
|
-24.9% |
76.7%
-0.8% YoY
|
80.5%
+0.8% YoY
|
83.0%
-5.3% YoY
|
Top 2.7% in tier |
| Delinquency Rate |
0.3%
+36.4% YoY+24.2% QoQ
|
-0.6 |
0.9%
+6.6% YoY
|
1.7%
-18.0% YoY
|
1.3%
+2.6% YoY
|
16% |
| Loan To Share |
86.4%
-5.3% YoY+1.0% QoQ
|
+14.9% |
71.5%
-0.3% YoY
|
59.8%
-1.2% YoY
|
66.4%
-1.4% YoY
|
78% |
| AMR |
$21,662
+0.8% YoY+1.3% QoQ
|
$-3K |
$25,107
+3.2% YoY
|
$19,620
+2.7% YoY
|
$20,028
-0.9% YoY
|
42% |
| CD Concentration |
11.8%
+16.1% YoY-1.1% QoQ
|
-12.7% | 24.6% | 16.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 2.7% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (2)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)