BlastPoint's Credit Union Scorecard
MERIDIA COMMUNITY
Charter #10684 · NY
MERIDIA COMMUNITY demonstrates 9 strengths
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 5.0% in tier
- + Emerging Performer: Top 19.9% in tier
- + Organic Growth Leader: Top 50.4% in tier
- + ROA 1.67% above tier average
- + Net Interest Margin 0.66% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 1.1% in tier
- + Total Delinquency Rate (60+ days): Top 9.2% in tier
- + Members Per Employee (MPE): Top 9.7% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
10,147
+2.5% YoY+0.1% QoQ
|
-5.3K |
15,437
-2.9% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
32% |
| Assets |
$138.0M
+7.8% YoY+1.4% QoQ
|
$-93.9M |
$231.9M
+1.3% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
24% |
| Loans |
$102.9M
+5.2% YoY-0.4% QoQ
|
$-44.5M |
$147.3M
-0.1% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
36% |
| Deposits |
$114.6M
+6.0% YoY+1.3% QoQ
|
$-86.2M |
$200.8M
+0.8% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
21% |
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| ROA |
2.4%
+4.5% YoY+2.7% QoQ
|
+1.7% |
0.8%
+18.2% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
Top 1.1% in tier |
| NIM |
4.3%
-0.1% YoY+0.0% QoQ
|
+0.7% |
3.6%
+6.7% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
84% |
| Efficiency Ratio |
48.6%
-3.2% YoY-0.2% QoQ
|
-28.4% |
77.0%
-3.1% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
Bottom 1.1% in tier |
| Delinquency Rate |
0.2%
-47.9% YoY-33.3% QoQ
|
-0.7 |
0.9%
+4.2% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
Bottom 9.2% in tier |
| Loan To Share |
89.7%
-0.8% YoY-1.6% QoQ
|
+17.5% |
72.2%
-1.1% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
Top 14.8% in tier |
| AMR |
$21,433
+3.1% YoY+0.4% QoQ
|
$-3K |
$24,676
+3.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
43% |
| CD Concentration |
11.2%
+45.7% YoY-1.4% QoQ
|
-13.3% | 24.4% | 16.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 7.8% | 50% |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Concerns (0)
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)