MERIDIAN POSTAL
Charter #24894 | MS
<100M
(2596 CUs)
Micro
($0-$500M)
41 <100M in MS
MERIDIAN POSTAL has 5 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.53% below tier average
- - Net Interest Margin (NIM): Bottom 2.6% in tier
- - Loan-to-Share Ratio: Bottom 5.1% in tier
- - Members Per Employee (MPE): Bottom 7.0% in tier
- - Total Members: Bottom 9.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
344
-1.1% YoY+0.9% QoQ
|
-2.3K |
2,625
-2.2% YoY
|
14,577
+18.5% YoY
|
33,089
+6.1% YoY
|
Bottom 9.2% in tier |
| Assets |
$4.9M
+2.6% YoY-1.6% QoQ
|
$-25.0M |
$29.9M
+1.1% YoY
|
$171.7M
+26.4% YoY
|
$547.7M
+7.8% YoY
|
Bottom 18.7% in tier |
| Loans |
$822,527
-5.4% YoY-1.7% QoQ
|
$-14.9M |
$15.8M
-2.4% YoY
|
$115.7M
+25.1% YoY
|
$388.7M
+8.6% YoY
|
Bottom 10.2% in tier |
| Deposits |
$3.8M
+3.1% YoY-2.1% QoQ
|
$-21.6M |
$25.5M
+0.4% YoY
|
$135.7M
+26.5% YoY
|
$464.6M
+9.3% YoY
|
Bottom 18.6% in tier |
| ROA |
0.2%
-9.6% YoY+2.1% QoQ
|
-0.5% |
0.7%
-731.4% YoY
|
0.9%
+335.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 21.8% in tier |
| NIM |
1.7%
+16.0% YoY-2.8% QoQ
|
-2.2% |
3.9%
+3.8% YoY
|
4.4%
+3.2% YoY
|
3.7%
+5.0% YoY
|
Bottom 2.6% in tier |
| Efficiency Ratio |
75.8%
-11.6% YoY+2.5% QoQ
|
-5.6% |
81.4%
-2.4% YoY
|
78.7%
-9.5% YoY
|
79.1%
-3.3% YoY
|
44th in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
-2.0% YoY
|
1.7%
-11.9% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
21.5%
-8.3% YoY+0.5% QoQ
|
-39.8% |
61.2%
-3.0% YoY
|
68.6%
-0.4% YoY
|
68.0%
-1.7% YoY
|
Bottom 4.9% in tier |
| AMR |
$13,533
+2.7% YoY-2.9% QoQ
|
$-1K |
$14,627
-2.7% YoY
|
$12,163
+4.6% YoY
|
$19,418
+1.3% YoY
|
49th in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
19.3%
+9.2% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
2.5%
+12.7% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (6 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Avg: 1.51%
#1 of 2596
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: 0.57%
#246 of 2596
Top 9.4% in <100M tier
506
Net Worth Ratio
risk
Value:
20.92%
Peer Avg: 16.43%
#506 of 2596
Top 19.5% in <100M tier
Top Weaknesses (10 metrics)
2529
Net Interest Margin (NIM)
profitability
Value:
1.74%
Peer Avg: 3.93%
#2529 of 2596
Bottom 2.6% in <100M tier
2464
Loan-to-Share Ratio
balance_sheet
Value:
21.46%
Peer Avg: 61.23%
#2464 of 2596
Bottom 5.1% in <100M tier
2416
Members Per Employee (MPE)
engagement
Value:
114.667
Peer Avg: 365.701
#2416 of 2596
Bottom 7.0% in <100M tier
2357
Total Members
engagement
Value:
344
Peer Avg: 2,626
#2357 of 2596
Bottom 9.2% in <100M tier
2331
Total Loans
balance_sheet
Value:
$822,527
Peer Avg: $15.77M
#2331 of 2596
Bottom 10.2% in <100M tier
2160
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,391
Peer Avg: $5,488
#2160 of 2596
Bottom 16.8% in <100M tier
2134
Fee Income Per Member
profitability
Value:
$8.62
Peer Avg: $182.96
#2134 of 2596
Bottom 17.8% in <100M tier
2112
Total Deposits
balance_sheet
Value:
$3.83M
Peer Avg: $25.45M
#2112 of 2596
Bottom 18.7% in <100M tier
2111
Total Assets
balance_sheet
Value:
$4.85M
Peer Avg: $29.86M
#2111 of 2596
Bottom 18.7% in <100M tier
2030
Return on Assets (ROA)
profitability
Value:
0.15%
Peer Avg: 0.68%
#2030 of 2596
Bottom 21.8% in <100M tier