BlastPoint's Credit Union Scorecard
MERIDIAN TRUST
Charter #9160 · WY
MERIDIAN TRUST has 6 strengths but faces 2 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 Engine: Top 6.4% in tier
- + Organic Growth Leader: Top 24.5% in tier
- + ROA 0.76% above tier average
- + Net Interest Margin 0.19% above tier average
- + Efficiency Ratio: Top 5.5% in tier
- + Member Growth Rate: Top 9.7% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 33.0% in tier
- - Credit Risk Growth: Bottom 41.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
43,655
+4.4% YoY+0.5% QoQ
|
+5.1K |
38,575
-4.8% YoY
|
21,806
+1.7% YoY
|
33,374
+5.7% YoY
|
71% |
| Assets |
$712.9M
+5.3% YoY+0.5% QoQ
|
+$91.2M |
$621.7M
+0.1% YoY
|
$331.9M
+4.5% YoY
|
$561.6M
+9.7% YoY
|
Top 13.9% in tier |
| Loans |
$535.0M
+4.5% YoY+0.4% QoQ
|
+$105.2M |
$429.8M
-1.8% YoY
|
$248.7M
+3.3% YoY
|
$397.0M
+8.8% YoY
|
85% |
| Deposits |
$617.3M
+4.6% YoY+1.0% QoQ
|
+$78.6M |
$538.7M
+0.6% YoY
|
$284.9M
+3.7% YoY
|
$477.3M
+9.7% YoY
|
84% |
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| ROA |
1.4%
+9.4% YoY-22.7% QoQ
|
+0.8% |
0.7%
+42.9% YoY
|
1.1%
+10.8% YoY
|
0.7%
+15.9% YoY
|
Top 6.1% in tier |
| NIM |
3.6%
+6.1% YoY-0.8% QoQ
|
+0.2% |
3.4%
+8.0% YoY
|
3.9%
+0.6% YoY
|
3.8%
+5.1% YoY
|
66% |
| Efficiency Ratio |
64.8%
-3.3% YoY+8.9% QoQ
|
-12.7% |
77.5%
-4.1% YoY
|
70.1%
-0.5% YoY
|
79.7%
-3.3% YoY
|
Bottom 5.5% in tier |
| Delinquency Rate |
0.7%
+81.5% YoY+16.1% QoQ
|
-0.1 |
0.8%
-1.1% YoY
|
1.7%
+3.5% YoY
|
1.3%
-2.1% YoY
|
48% |
| Loan To Share |
86.7%
-0.1% YoY-0.7% QoQ
|
+6.8% |
79.8%
-2.3% YoY
|
78.9%
-1.3% YoY
|
67.4%
-1.7% YoY
|
65% |
| AMR |
$26,395
+0.1% YoY+0.2% QoQ
|
$-454 |
$26,849
+2.7% YoY
|
$23,219
+4.0% YoY
|
$19,687
+2.0% YoY
|
58% |
| CD Concentration |
22.5%
-4.4% YoY+0.6% QoQ
|
-2.0% | 24.4% | 26.5% | 19.8% | 44% |
| Indirect Auto % |
0.1%
-34.8% YoY-9.5% QoQ
|
-13.7% | 13.8% | 19.3% | 7.8% | 32% |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Concerns (2)
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.
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)