BlastPoint's Credit Union Scorecard
MERIDIAN MUTUAL
Charter #8433 · MS
MERIDIAN MUTUAL has 7 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + Strong member growth: 7.5% YoY
- + Total Members: Top 3.7% in tier
- + Asset Growth Rate: Top 4.5% in tier
- + Member Growth Rate: Top 4.9% in tier
- + Loan Growth Rate: Top 5.7% in tier
- + Deposit Growth Rate: Top 5.8% in tier
- + Fee Income Per Member: Top 6.6% in tier
Key Concerns
Areas that may need attention
- - ROA 0.80% below tier average
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 +11.9% year over year ($62.6M in shares and deposits).
- Membership: 7,674 members, +7.5% vs a year ago.
- Delinquency rate 1.19%.
- Return on assets 0.69%.
- Efficiency ratio 87.33% vs a 88.77% peer average.
- Loan-to-share ratio 53.57% 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 |
7,674
+7.5% YoY+0.9% QoQ
|
+5.1K |
2,585
-1.7% YoY
|
15,019
+10.4% YoY
|
34,678
+6.6% YoY
|
Top 3.8% in tier |
| Assets |
$71.2M
+11.8% YoY+0.8% QoQ
|
+$40.9M |
$30.3M
+1.5% YoY
|
$179.3M
+15.8% YoY
|
$593.1M
+10.2% YoY
|
Top 12.2% in tier |
| Loans |
$33.5M
+14.5% YoY+2.2% QoQ
|
+$18.1M |
$15.5M
-1.7% YoY
|
$118.9M
+12.9% YoY
|
$418.6M
+10.1% YoY
|
Top 14.2% in tier |
| Deposits |
$62.6M
+11.9% YoY+1.1% QoQ
|
+$36.8M |
$25.8M
+1.1% YoY
|
$142.7M
+16.5% YoY
|
$504.8M
+10.3% YoY
|
Top 10.9% in tier |
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| ROA |
0.7%
+690.5% YoY+112.1% QoQ
|
-0.8% |
1.5%
+241.5% YoY
|
6.8%
+536.0% YoY
|
1.2%
+121.4% YoY
|
44% |
| NIM |
3.1%
-2.9% YoY+2.2% QoQ
|
-0.8% |
3.9%
+0.9% YoY
|
4.4%
+0.2% YoY
|
3.8%
+2.3% YoY
|
20% |
| Efficiency Ratio |
87.3%
-4.7% YoY-5.8% QoQ
|
-1.4% |
88.8%
-6.9% YoY
|
168.1%
+110.0% YoY
|
83.0%
-5.3% YoY
|
66% |
| Delinquency Rate |
1.2%
-27.2% YoY+24.7% QoQ
|
-0.4 |
1.5%
+2.1% YoY
|
2.3%
+20.5% YoY
|
1.3%
+2.6% YoY
|
66% |
| Loan To Share |
53.6%
+2.3% YoY+1.1% QoQ
|
-5.3% |
58.9%
-3.1% YoY
|
65.7%
-3.6% YoY
|
66.4%
-1.4% YoY
|
42% |
| AMR |
$12,532
+4.9% YoY+0.5% QoQ
|
$-2K |
$14,963
-6.8% YoY
|
$12,280
+0.8% YoY
|
$20,028
-0.9% YoY
|
42% |
| CD Concentration |
28.2%
+29.3% YoY+3.7% QoQ
|
+3.6% | 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)