MERIDIAN MUTUAL
Charter #8433 | MS
<100M
(2596 CUs)
Micro
($0-$500M)
41 <100M in MS
MERIDIAN MUTUAL has 8 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Strong member growth: 5.7% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Deposit Growth Rate: Top 3.4% in tier
- + Asset Growth Rate: Top 3.5% in tier
- + Fee Income Per Member: Top 4.0% in tier
- + Total Members: Top 5.2% in tier
- + Member Growth Rate: Top 6.1% in tier
- + Loan Growth Rate: Top 9.3% in tier
Key Concerns
Areas that may need attention
- - ROA 0.01% below tier average
- - Efficiency ratio 1.34% above tier (higher cost structure)
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,302
+5.7% YoY+2.3% QoQ
|
+4.7K |
2,625
-2.2% YoY
|
14,577
+18.5% YoY
|
33,089
+6.1% YoY
|
Top 5.2% in tier |
| Assets |
$64.9M
+14.5% YoY+1.9% QoQ
|
+$35.1M |
$29.9M
+1.1% YoY
|
$171.7M
+26.4% YoY
|
$547.7M
+7.8% YoY
|
Top 14.5% in tier |
| Loans |
$30.6M
+10.9% YoY+4.4% QoQ
|
+$14.8M |
$15.8M
-2.4% YoY
|
$115.7M
+25.1% YoY
|
$388.7M
+8.6% YoY
|
Top 17.6% in tier |
| Deposits |
$56.8M
+15.8% YoY+1.5% QoQ
|
+$31.3M |
$25.5M
+0.4% YoY
|
$135.7M
+26.5% YoY
|
$464.6M
+9.3% YoY
|
Top 13.8% in tier |
| ROA |
0.7%
-13.6% YoY+669.6% QoQ
|
-0.0% |
0.7%
-731.4% YoY
|
0.9%
+335.0% YoY
|
0.7%
+273.4% YoY
|
45th in tier |
| NIM |
3.1%
+1.4% YoY-1.8% QoQ
|
-0.8% |
3.9%
+3.8% YoY
|
4.4%
+3.2% YoY
|
3.7%
+5.0% YoY
|
Bottom 22.1% in tier |
| Efficiency Ratio |
82.7%
+3.2% YoY-9.7% QoQ
|
+1.3% |
81.4%
-2.4% YoY
|
78.7%
-9.5% YoY
|
79.1%
-3.3% YoY
|
61st in tier |
| Delinquency Rate |
1.3%
+180.5% YoY-23.4% QoQ
|
-0.3 |
1.5%
-2.0% YoY
|
1.7%
-11.9% YoY
|
1.2%
-0.9% YoY
|
68th in tier |
| Loan To Share |
53.9%
-4.2% YoY+2.9% QoQ
|
-7.3% |
61.2%
-3.0% YoY
|
68.6%
-0.4% YoY
|
68.0%
-1.7% YoY
|
38th in tier |
| AMR |
$11,966
+7.9% YoY+0.2% QoQ
|
$-3K |
$14,627
-2.7% YoY
|
$12,163
+4.6% YoY
|
$19,418
+1.3% YoY
|
39th in tier |
| CD Concentration |
24.1%
+73.0% YoY+10.4% QoQ
|
-0.3% |
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 (11 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
90
Deposit Growth Rate
growth
Value:
15.81%
Peer Avg: 16.80%
#90 of 2596
Top 3.4% in <100M tier
91
Asset Growth Rate
growth
Value:
14.55%
Peer Avg: 1.82%
#91 of 2596
Top 3.5% in <100M tier
106
Fee Income Per Member
profitability
Value:
$238.12
Peer Avg: $182.96
#106 of 2596
Top 4.0% in <100M tier
136
Total Members
engagement
Value:
7,302
Peer Avg: 2,626
#136 of 2596
Top 5.2% in <100M tier
159
Member Growth Rate
growth
Value:
5.72%
Peer Avg: 14.92%
#159 of 2596
Top 6.1% in <100M tier
243
Loan Growth Rate
growth
Value:
10.92%
Peer Avg: 59.01%
#243 of 2596
Top 9.3% in <100M tier
359
Total Deposits
balance_sheet
Value:
$56.78M
Peer Avg: $25.45M
#359 of 2596
Top 13.8% in <100M tier
372
AMR Growth Rate
growth
Value:
7.88%
Peer Avg: 4.67%
#372 of 2596
Top 14.3% in <100M tier
377
Total Assets
balance_sheet
Value:
$64.91M
Peer Avg: $29.86M
#377 of 2596
Top 14.5% in <100M tier
Top Weaknesses (3 metrics)
2061
Net Charge-Off Rate
risk
Value:
0.73%
Peer Avg: 0.57%
#2061 of 2596
Bottom 20.6% in <100M tier
2032
First Mortgage Concentration (%)
balance_sheet
Value:
28.64%
Peer Avg: 14.49%
#2032 of 2596
Bottom 21.8% in <100M tier
2023
Net Interest Margin (NIM)
profitability
Value:
3.13%
Peer Avg: 3.93%
#2023 of 2596
Bottom 22.1% in <100M tier