BlastPoint's Credit Union Scorecard
MERIDIAN TRUST
Charter #9160 · WY
MERIDIAN TRUST has 4 strengths but faces 6 concerns
How does the industry compare?
What's your peer group doing?
How does WY stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 15.3% in tier
- + Organic Growth Engine: Top 15.3% in tier
- + Net Interest Margin 0.20% above tier average
- + Total Assets: Top 9.0% in tier
Key Concerns
Areas that may need attention
- - Cost Spiral: Bottom 0.7% in tier
- - Credit Quality Pressure: Bottom 21.2% in tier
- - Efficiency Drag: Bottom 37.3% in tier
- - Credit Risk Growth: Bottom 47.2% in tier
- - Shrinking Wallet Share: Bottom 82.3% in tier
- - Efficiency ratio 3.55% above tier (higher cost structure)
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
43,655
+4.0% YoY0% QoQ
|
+5.6K |
38,079
-4.8% YoY
|
21,934
+2.5% YoY
|
33,913
+5.7% YoY
|
72% |
| Assets |
$727.8M
+3.8% YoY+2.1% QoQ
|
+$108.1M |
$619.7M
-0.2% YoY
|
$341.2M
+5.8% YoY
|
$578.3M
+9.0% YoY
|
Top 9.6% in tier |
| Loans |
$532.7M
+3.6% YoY-0.4% QoQ
|
+$113.3M |
$419.3M
-1.4% YoY
|
$250.8M
+3.8% YoY
|
$402.4M
+8.7% YoY
|
Top 15.0% in tier |
| Deposits |
$628.2M
+3.3% YoY+1.8% QoQ
|
+$88.8M |
$539.5M
-0.1% YoY
|
$290.8M
+4.6% YoY
|
$494.3M
+9.1% YoY
|
Top 13.2% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.6%
-76.5% YoY-55.0% QoQ
|
+0.0% |
0.7%
+36.0% YoY
|
1.0%
-6.8% YoY
|
0.4%
-39.2% YoY
|
54% |
| NIM |
3.7%
+1.2% YoY+0.9% QoQ
|
+0.2% |
3.5%
+4.5% YoY
|
3.9%
-0.5% YoY
|
3.8%
+4.1% YoY
|
69% |
| Efficiency Ratio |
81.9%
+67.8% YoY+26.4% QoQ
|
+3.6% |
78.4%
-3.7% YoY
|
73.8%
+4.7% YoY
|
84.6%
+2.8% YoY
|
63% |
| Delinquency Rate |
0.6%
+64.4% YoY-9.8% QoQ
|
-0.1 |
0.7%
-0.9% YoY
|
1.7%
+17.4% YoY
|
1.2%
+3.4% YoY
|
51% |
| Loan To Share |
84.8%
+0.3% YoY-2.2% QoQ
|
+7.1% |
77.7%
-1.2% YoY
|
76.1%
-2.5% YoY
|
65.6%
-1.4% YoY
|
64% |
| AMR |
$26,593
-0.5% YoY+0.7% QoQ
|
$-335 |
$26,927
+3.1% YoY
|
$23,399
+4.1% YoY
|
$19,920
+1.6% YoY
|
57% |
| CD Concentration |
22.3%
-5.4% YoY-0.7% QoQ
|
-2.0% | 24.3% | 26.4% | 19.8% | 43% |
| Indirect Auto % |
0.1%
-33.6% YoY-3.6% QoQ
|
-13.7% | 13.8% | 19.3% | 7.7% | 31% |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (5)
Cost Spiral
riskHistorically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)