MERIDIAN TRUST

Charter #9160 | WY

500M-750M (169 CUs) Community (281 CUs)
1 500M-750M in WY

MERIDIAN TRUST has 5 strengths but faces 1 concern

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 1.2% in tier
  • + Organic Growth Leader: Top 9.0% in tier
  • + ROA 1.17% above tier average
  • + Net Interest Margin 0.23% above tier average
  • + Efficiency Ratio: Top 3.0% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 31.2% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (WY) National Avg Tier Percentile
Members 43,436
+4.0% YoY+0.7% QoQ
 +3.7K 39,752
-2.7% YoY
 21,805
+7.5% YoY
 33,089
+6.1% YoY
 66th in tier
Assets $709.1M
+3.5% YoY-0.5% QoQ
 +$86.7M $622.4M
+0.3% YoY
 $326.6M
+9.9% YoY
 $547.7M
+7.8% YoY
 Top 18.9% in tier
Loans $533.1M
+5.7% YoY+2.0% QoQ
 +$97.1M $435.9M
-0.4% YoY
 $246.2M
+9.3% YoY
 $388.7M
+8.6% YoY
 Top 19.5% in tier
Deposits $611.0M
+2.2% YoY-1.1% QoQ
 +$73.0M $538.0M
+1.3% YoY
 $279.6M
+8.1% YoY
 $464.6M
+9.3% YoY
 Top 18.3% in tier
ROA 1.8%
+41.4% YoY-4.4% QoQ
 +1.2% 0.7%
+33.9% YoY
 1.2%
+23.5% YoY
 0.7%
+273.4% YoY
 Top 3.0% in tier
NIM 3.7%
+10.6% YoY+1.6% QoQ
 +0.2% 3.4%
+8.6% YoY
 3.9%
+2.2% YoY
 3.7%
+5.0% YoY
 68th in tier
Efficiency Ratio 59.5%
-9.9% YoY+1.0% QoQ
 -18.6% 78.1%
-3.4% YoY
 69.2%
-3.0% YoY
 79.1%
-3.3% YoY
 Bottom 3.0% in tier
Delinquency Rate 0.6%
-9.9% YoY-14.8% QoQ
 -0.2 0.8%
-4.9% YoY
 2.1%
+78.2% YoY
 1.2%
-0.9% YoY
 47th in tier
Loan To Share 87.2%
+3.5% YoY+3.1% QoQ
 +6.2% 81.0%
-1.8% YoY
 79.1%
-2.4% YoY
 68.0%
-1.7% YoY
 61st in tier
AMR $26,339
-0.2% YoY-0.4% QoQ
 $-143 $26,482
+2.6% YoY
 $22,916
+4.8% YoY
 $19,418
+1.3% YoY
 58th in tier
CD Concentration 22.3%
-7.3% YoY-7.2% QoQ
 -2.1% 24.4%
+4.2% YoY
 26.0%
+2.0% YoY
 19.6%
+6.2% YoY
 43rd in tier
Indirect Auto % 0.1%
-40.3% YoY-11.7% QoQ
 -13.9% 14.0%
-5.8% YoY
 19.6%
+0.8% YoY
 7.9%
-2.9% YoY
 32nd in tier

Signature Analysis

Strengths (2)

Organic Growth Engine

growth
#23 of 603 • Top 1.2% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 4.02%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 1.83%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Indirect Auto %: 0.10%
(Tier: 13.96%, National: 7.90%)
better than tier avg
603 of 281 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | Rank improving

Organic Growth Leader

growth
#119 of 430 • Top 9.0% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 4.02%
(Tier: 0.88%, National: 9.37%)
better than tier avg
430 of 281 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | Rank improving

Concerns (1)

Liquidity Overhang

risk
#484 of 552 • Bottom 31.2% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 12.91%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 87.24%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
552 of 281 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | New qualifier

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)

Comparing against 169 peers in tier

Top Strengths (8 metrics)

5
Return on Assets (ROA)
profitability
Value: 1.83%
Peer Avg: 0.66%
#5 of 169 Top 2.4% in 500M-750M tier
6
Efficiency Ratio
profitability
Value: 59.52%
Peer Avg: 78.10%
#6 of 169 Top 3.0% in 500M-750M tier
28
Member Growth Rate
growth
Value: 4.02%
Peer Avg: 1.75%
#28 of 169 Top 16.0% in 500M-750M tier
31
Net Worth Ratio
risk
Value: 12.91%
Peer Avg: 10.94%
#31 of 169 Top 17.8% in 500M-750M tier
31
Total Deposits
balance_sheet
Value: $611.00M
Peer Avg: $538.02M
#31 of 169 Top 17.8% in 500M-750M tier
32
Total Assets
balance_sheet
Value: $709.07M
Peer Avg: $622.38M
#32 of 169 Top 18.3% in 500M-750M tier
33
Total Loans
balance_sheet
Value: $533.05M
Peer Avg: $435.95M
#33 of 169 Top 18.9% in 500M-750M tier
40
Indirect Auto Concentration (%)
balance_sheet
Value: 0.10%
Peer Avg: 16.19%
#40 of 169 Top 23.1% in 500M-750M tier

Top Weaknesses (1 metrics)

132
AMR Growth Rate
growth
Value: -0.21%
Peer Avg: 3.12%
#132 of 169 Bottom 22.5% in 500M-750M tier