BlastPoint's Credit Union Scorecard
MERIDIAN POSTAL
Charter #24894 · MS
MERIDIAN POSTAL has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
Key Concerns
Areas that may need attention
- - ROA 1.24% below tier average
- - Efficiency ratio 14.35% above tier (higher cost structure)
- - Member decline: -2.9% YoY
- - Net Interest Margin (NIM): Bottom 1.3% in tier
- - Net Charge-Off Rate: Bottom 2.8% in tier
- - Deposit Growth Rate: Bottom 4.5% in tier
- - Asset Growth Rate: Bottom 5.1% in tier
- - Members Per Employee (MPE): Bottom 6.8% 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 2,437 credit unions with under $100M in assets nationally, and 1 of 42 that size in Mississippi.
- Shares and deposits -12.9% year over year ($3.4M in shares and deposits).
- Membership: 331 members, -2.9% vs a year ago.
- Delinquency rate 0.00%.
- Return on assets 0.25%.
- Efficiency ratio 103.12% vs a 88.77% peer average.
- Loan-to-share ratio 25.51% vs a 58.89% 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 (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
331
-2.9% YoY-1.2% QoQ
|
-2.3K |
2,585
-1.7% YoY
|
15,019
+10.4% YoY
|
34,678
+6.6% YoY
|
Bottom 8.7% in tier |
| Assets |
$4.4M
-10.0% YoY-2.0% QoQ
|
$-25.8M |
$30.3M
+1.5% YoY
|
$179.3M
+15.8% YoY
|
$593.1M
+10.2% YoY
|
17% |
| Loans |
$870,313
+4.1% YoY+0.5% QoQ
|
$-14.6M |
$15.5M
-1.7% YoY
|
$118.9M
+12.9% YoY
|
$418.6M
+10.1% YoY
|
Bottom 10.5% in tier |
| Deposits |
$3.4M
-12.9% YoY-2.7% QoQ
|
$-22.4M |
$25.8M
+1.1% YoY
|
$142.7M
+16.5% YoY
|
$504.8M
+10.3% YoY
|
17% |
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| ROA |
0.3%
+65.2% YoY+63.6% QoQ
|
-1.2% |
1.5%
+241.5% YoY
|
6.8%
+536.0% YoY
|
1.2%
+121.4% YoY
|
16% |
| NIM |
1.4%
-23.0% YoY-12.1% QoQ
|
-2.5% |
3.9%
+0.9% YoY
|
4.4%
+0.2% YoY
|
3.8%
+2.3% YoY
|
Bottom 1.3% in tier |
| Efficiency Ratio |
103.1%
+39.5% YoY+14.8% QoQ
|
+14.4% |
88.8%
-6.9% YoY
|
168.1%
+110.0% YoY
|
83.0%
-5.3% YoY
|
Bottom 11.4% in tier |
| Delinquency Rate |
0.0%
-100.0% QoQ
|
-1.5 |
1.5%
+2.1% YoY
|
2.3%
+20.5% YoY
|
1.3%
+2.6% YoY
|
Top 0.1% in tier |
| Loan To Share |
25.5%
+19.5% YoY+3.3% QoQ
|
-33.4% |
58.9%
-3.1% YoY
|
65.7%
-3.6% YoY
|
66.4%
-1.4% YoY
|
Bottom 7.4% in tier |
| AMR |
$12,936
-7.2% YoY-0.9% QoQ
|
$-2K |
$14,963
-6.8% YoY
|
$12,280
+0.8% YoY
|
$20,028
-0.9% YoY
|
44% |
| CD Concentration | 0.0% | -24.6% | 24.6% | 19.9% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 2.4% | 7.7% | 50% |
Signature Analysis
Strengths (0)
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)