BlastPoint's Credit Union Scorecard
MERIDIA COMMUNITY
Charter #10684 · NY
MERIDIA COMMUNITY has 10 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 2.3% in tier
- + Profitability Leader: Top 4.1% in tier
- + Organic Growth Leader: Top 16.5% in tier
- + Emerging Performer: Top 22.6% in tier
- + Credit Quality Leader: Top 66.7% in tier
- + ROA 1.58% above tier average
- + Net Interest Margin 0.68% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 1.5% in tier
- + Members Per Employee (MPE): Top 3.7% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 28.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
10,134
+2.5% YoY+0.2% QoQ
|
-5.5K |
15,628
-3.4% YoY
|
25,964
+5.4% YoY
|
33,089
+6.1% YoY
|
31% |
| Assets |
$136.1M
+8.0% YoY+0.1% QoQ
|
$-95.2M |
$231.3M
-0.0% YoY
|
$471.3M
+6.4% YoY
|
$547.7M
+7.8% YoY
|
24% |
| Loans |
$103.2M
+5.0% YoY-0.5% QoQ
|
$-44.6M |
$147.8M
-1.4% YoY
|
$316.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
36% |
| Deposits |
$113.2M
+6.4% YoY-0.5% QoQ
|
$-87.1M |
$200.3M
-0.0% YoY
|
$400.0M
+7.6% YoY
|
$464.6M
+9.3% YoY
|
20% |
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| ROA |
2.4%
+6.5% YoY+6.4% QoQ
|
+1.6% |
0.8%
+15.5% YoY
|
0.9%
+294.0% YoY
|
0.7%
+273.4% YoY
|
Top 1.3% in tier |
| NIM |
4.3%
+1.5% YoY+1.0% QoQ
|
+0.7% |
3.6%
+6.9% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
Top 14.9% in tier |
| Efficiency Ratio |
48.7%
-2.3% YoY-0.1% QoQ
|
-28.5% |
77.3%
-3.0% YoY
|
80.1%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Bottom 1.5% in tier |
| Delinquency Rate |
0.3%
-59.3% YoY+44.6% QoQ
|
-0.6 |
0.9%
+7.6% YoY
|
1.7%
-8.3% YoY
|
1.2%
-0.9% YoY
|
18% |
| Loan To Share |
91.2%
-1.3% YoY-0.0% QoQ
|
+18.5% |
72.7%
-1.5% YoY
|
61.5%
-2.3% YoY
|
68.0%
-1.7% YoY
|
Top 13.6% in tier |
| AMR |
$21,354
+3.2% YoY-0.7% QoQ
|
$-3K |
$24,363
+2.9% YoY
|
$19,040
-21.7% YoY
|
$19,418
+1.3% YoY
|
44% |
| CD Concentration |
11.3%
+63.4% YoY+11.3% QoQ
|
-13.1% |
24.4%
+4.2% YoY
|
15.9%
+8.4% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
2.6%
-3.7% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (5)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (1)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)