BlastPoint's Credit Union Scorecard
MERIDIAN
Charter #64212 · IA
MERIDIAN has 2 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.14% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Member decline: -2.3% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,102
-2.3% YoY+0.2% QoQ
|
-513 |
2,615
-1.9% YoY
|
24,743
-0.2% YoY
|
33,374
+5.7% YoY
|
53% |
| Assets |
$33.7M
-1.7% YoY+1.6% QoQ
|
+$3.6M |
$30.1M
+2.1% YoY
|
$526.3M
+6.5% YoY
|
$561.6M
+9.7% YoY
|
63% |
| Loans |
$13.6M
+4.2% YoY-2.7% QoQ
|
$-2.1M |
$15.8M
-1.3% YoY
|
$422.1M
+6.5% YoY
|
$397.0M
+8.8% YoY
|
58% |
| Deposits |
$28.1M
-2.8% YoY+1.7% QoQ
|
+$2.4M |
$25.7M
+1.4% YoY
|
$432.9M
+5.9% YoY
|
$477.3M
+9.7% YoY
|
62% |
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| ROA |
0.8%
-18.6% YoY-6.9% QoQ
|
+0.1% |
0.6%
+10.8% YoY
|
0.9%
+6.1% YoY
|
0.7%
+15.9% YoY
|
54% |
| NIM |
3.6%
+7.5% YoY+0.3% QoQ
|
-0.4% |
4.0%
+4.0% YoY
|
3.9%
+6.4% YoY
|
3.8%
+5.1% YoY
|
38% |
| Efficiency Ratio |
72.5%
+0.9% YoY+1.0% QoQ
|
-10.0% |
82.6%
-2.3% YoY
|
74.3%
-0.8% YoY
|
79.7%
-3.3% YoY
|
32% |
| Delinquency Rate |
0.4%
-0.5% YoY-57.5% QoQ
|
-1.2 |
1.6%
-3.1% YoY
|
1.4%
+32.5% YoY
|
1.3%
-2.1% YoY
|
34% |
| Loan To Share |
48.5%
+7.2% YoY-4.3% QoQ
|
-12.1% |
60.6%
-3.1% YoY
|
76.3%
-0.8% YoY
|
67.4%
-1.7% YoY
|
31% |
| AMR |
$19,868
+1.7% YoY+0.0% QoQ
|
+$5K |
$14,783
-1.4% YoY
|
$21,029
+4.7% YoY
|
$19,687
+2.0% YoY
|
78% |
| CD Concentration |
15.4%
+22.1% YoY-1.4% QoQ
|
-9.0% | 24.4% | 22.0% | 19.8% | 50% |
| Indirect Auto % |
0.0%
-100.0% YoY
|
-13.8% | 13.8% | 9.2% | 7.8% | 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)