BlastPoint's Credit Union Scorecard

MERIDIA COMMUNITY

Charter #10684 · NY

100M-500M

1070 CUs in 100M-500M nationally 55 in NY

MERIDIA COMMUNITY has 7 strengths but faces 1 concern

National Analysis

How does the industry compare?

NY Analysis

How does NY stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 50.0% in tier
+ Emerging Performer: Top 50.0% in tier
+ Organic Growth Leader: Top 50.0% in tier
+ ROA 1.59% above tier average
+ Net Interest Margin 0.49% above tier average
+ Efficiency Ratio: Top 2.8% in tier
+ Members Per Employee (MPE): Top 7.6% in tier

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 50.0% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Members	10,109 +1.3% YoY-0.4% QoQ	-5.0K	15,145 -2.5% YoY	27,572 +9.2% YoY	33,913 +5.7% YoY	33%
Assets	$141.3M +5.8% YoY+2.4% QoQ	$-90.4M	$231.7M +0.8% YoY	$497.6M +8.1% YoY	$578.3M +9.0% YoY	26%
Loans	$99.7M +0.3% YoY-3.1% QoQ	$-44.4M	$144.1M +0.2% YoY	$329.7M +7.8% YoY	$402.4M +8.7% YoY	36%
Deposits	$116.5M +4.2% YoY+1.7% QoQ	$-84.6M	$201.1M +0.4% YoY	$425.1M +7.9% YoY	$494.3M +9.1% YoY	22%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	2.3% +7.6% YoY-4.7% QoQ	+1.6%	0.7% +5.1% YoY	0.7% -43.8% YoY	0.4% -39.2% YoY	Top 1.7% in tier
NIM	4.1% -3.6% YoY-3.4% QoQ	+0.5%	3.6% +4.6% YoY	3.5% -2.6% YoY	3.8% +4.1% YoY	80%
Efficiency Ratio	52.1% +4.9% YoY+7.2% QoQ	-25.9%	78.0% -1.7% YoY	81.8% +0.3% YoY	84.6% +2.8% YoY	Top 2.8% in tier
Delinquency Rate	0.2% -38.8% YoY+14.0% QoQ	-0.6	0.8% +7.1% YoY	1.5% -10.1% YoY	1.2% +3.4% YoY	Top 14.8% in tier
Loan To Share	85.6% -3.8% YoY-4.7% QoQ	+15.1%	70.4% -0.4% YoY	58.9% -2.1% YoY	65.6% -1.4% YoY	80%
AMR	$21,393 +1.1% YoY-0.2% QoQ	$-4K	$24,918 +2.7% YoY	$19,395 -21.8% YoY	$19,920 +1.6% YoY	40%
CD Concentration	11.9% +29.7% YoY+6.9% QoQ	-12.3%	24.3%	16.4%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	2.6%	7.7%	50%

Signature Analysis

Strengths (3)

Organic Growth Engine

growth

#112 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.28%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 2.32%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

352 of 1070 Mid-Small & Community CUs have this signature | 499 nationally

→ No prior data (352 CUs now) | New qualifier

Emerging Performer

growth

#67 of 157 • Top 50.0% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 2.32%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Member Growth (YoY): 1.28%

(Tier: 0.72%, National: 10.19%)

better than tier avg

157 of 1070 Mid-Small & Community CUs have this signature | 260 nationally

→ No prior data (157 CUs now) | New qualifier

Organic Growth Leader

growth

#284 of 371 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 1.28%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

371 of 1070 Mid-Small & Community CUs have this signature | 518 nationally

→ No prior data (371 CUs now) | New qualifier

Concerns (1)

Liquidity Overhang

risk

#125 of 126 • Bottom 50.0% in tier

Exceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 16.10%

(Tier: 11.91%, National: 14.35%)

but better than tier avg

Loan-to-Share Ratio: 85.56%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

126 of 1070 Mid-Small & Community CUs have this signature | 143 nationally

↑ Growing +19 CUs YoY | New qualifier

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)

Compare against:

Comparing against 1070 peers in tier

Top Strengths (10 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

#1 of 1070 Top 0.1% in 100M-500M tier

Return on Assets (ROA)

profitability

Value: 2.32%

Peer Median: 0.69%

#18 of 1070 Top 1.6% in 100M-500M tier

Efficiency Ratio

profitability

Value: 52.10%

Peer Median: 78.68%

#31 of 1070 Top 2.8% in 100M-500M tier

Members Per Employee (MPE)

engagement

Value: 481.381

Peer Median: 309.176

#82 of 1070 Top 7.6% in 100M-500M tier

113

Net Worth Ratio

risk

Value: 16.10%

Peer Median: 11.45%

#113 of 1070 Top 10.5% in 100M-500M tier

150

Share Certificate Concentration (%)

balance_sheet

Value: 11.94%

Peer Median: 23.10%

#150 of 1070 Top 13.9% in 100M-500M tier

159

Total Delinquency Rate (60+ days)

risk

Value: 0.22%

Peer Median: 0.61%

#159 of 1070 Top 14.8% in 100M-500M tier

183

Net Charge-Off Rate

risk

Value: 0.09%

Peer Median: 0.35%

#183 of 1070 Top 17.0% in 100M-500M tier

212

Loan-to-Share Ratio

balance_sheet

Value: 85.56%

Peer Median: 71.88%

#212 of 1070 Top 19.7% in 100M-500M tier

219

Net Interest Margin (NIM)

profitability

Value: 4.12%

Peer Median: 3.62%

#219 of 1070 Top 20.4% in 100M-500M tier

Top Weaknesses (1 metrics)

835

Total Deposits

balance_sheet

Value: $116.54M

Peer Median: $171.29M

#835 of 1070 Bottom 22.1% in 100M-500M tier