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BlastPoint's Credit Union Scorecard

MERIDIAN TRUST

Charter #9160 · WY

Community 500M-750M
165 CUs in 500M-750M nationally 1 in WY
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MERIDIAN TRUST has 5 strengths but faces 5 concerns

National Analysis

How does the industry compare?
Community Tier

What's your peer group doing?
WY Analysis

How does WY stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 16.9% in tier
  • + Organic Growth Leader: Top 16.9% in tier
  • + ROA 0.13% above tier average
  • + Net Interest Margin 0.12% above tier average
  • + Total Assets: Top 8.5% in tier

Key Concerns

Areas that may need attention

  • - Cost Spiral: Bottom 1.9% in tier
  • - Credit Quality Pressure: Bottom 37.0% in tier
  • - Margin Compression: Bottom 37.9% in tier
  • - Credit Risk Growth: Bottom 60.4% in tier
  • - Shrinking Wallet Share: Bottom 89.5% in tier

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 165 credit unions with $500M-$750M in assets nationally, and 1 of 1 that size in Wyoming.
  • Shares and deposits +1.6% year over year ($628M in shares and deposits).
  • Membership: 44,664 members, +3.6% vs a year ago.
  • Delinquency rate 0.82%.
  • Return on assets 0.95%.
  • Efficiency ratio 76.04% vs a 76.56% peer average.
  • Loan-to-share ratio 84.63% vs a 79.33% 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 (WY) National Avg Tier Percentile
Members 44,664
+3.6% YoY+2.3% QoQ
 +6.8K 37,897
-5.0% YoY
 22,105
+2.3% YoY
 34,678
+6.6% YoY
 77%
Assets $730.5M
+2.5% YoY+0.4% QoQ
 +$108.2M $622.4M
+0.6% YoY
 $345.9M
+6.0% YoY
 $593.1M
+10.2% YoY
 Top 9.1% in tier
Loans $531.2M
+1.6% YoY-0.3% QoQ
 +$102.7M $428.5M
-0.7% YoY
 $256.8M
+5.3% YoY
 $418.6M
+10.1% YoY
 Top 14.5% in tier
Deposits $627.7M
+1.6% YoY-0.1% QoQ
 +$87.9M $539.8M
+0.9% YoY
 $290.0M
+5.4% YoY
 $504.8M
+10.3% YoY
 Top 12.1% in tier

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings

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ROA 0.9%
-50.6% YoY+48.6% QoQ
 +0.1% 0.8%
+39.5% YoY
 1.4%
+23.8% YoY
 1.2%
+121.4% YoY
 64%
NIM 3.7%
+1.3% YoY-0.3% QoQ
 +0.1% 3.5%
+5.0% YoY
 3.9%
-1.1% YoY
 3.8%
+2.3% YoY
 64%
Efficiency Ratio 76.0%
+29.1% YoY-7.2% QoQ
 -0.5% 76.6%
-3.6% YoY
 70.6%
+1.3% YoY
 83.0%
-5.3% YoY
 42%
Delinquency Rate 0.8%
+14.1% YoY+28.0% QoQ
 +0.0 0.8%
+3.1% YoY
 2.3%
+31.5% YoY
 1.3%
+2.6% YoY
 59%
Loan To Share 84.6%
-0.0% YoY-0.2% QoQ
 +5.3% 79.3%
-1.4% YoY
 76.6%
-2.2% YoY
 66.4%
-1.4% YoY
 57%
AMR $25,946
-1.9% YoY-2.4% QoQ
 $-1K $27,294
+4.1% YoY
 $23,513
+4.1% YoY
 $20,028
-0.9% YoY
 53%
CD Concentration 22.2%
-7.6% YoY-0.3% QoQ
 -2.3% 24.6% 26.8% 20.0% 42%
Indirect Auto % 0.1%
-27.9% YoY-6.4% QoQ
 -13.5% 13.6% 19.1% 7.7% 31%

Signature Analysis

Strengths (2)

Organic Growth Engine

growth
#116 of 344 • Top 16.9% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 3.56%
(Tier: 0.46%, National: 15.67%)
better than tier avg
Return on Assets: 0.95%
(Tier: 0.85%, National: 1.23%)
better than tier avg
Indirect Auto %: 0.08%
(Tier: 13.63%, National: 7.71%)
better than tier avg
490 nationally
↓ Shrinking -271 CUs YoY | Rank worsening

Organic Growth Leader

growth
#120 of 342 • Top 16.9% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 3.56%
(Tier: 0.46%, National: 15.67%)
better than tier avg
Indirect Auto %: 0.08%
(Tier: 13.63%, National: 7.71%)
better than tier avg
485 nationally
↓ Shrinking -91 CUs YoY | Rank improving

Concerns (5)

Cost Spiral

risk
#4 of 95 • Bottom 1.9% in tier

Historically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

Why This Signature
Efficiency Ratio Change: 17.14% points
(Tier: -0.48% points, National: -3.74% points)
worse than tier avg
Efficiency Ratio (Prior Year): 58.91%
(Tier: 77.10%, National: 86.72%)
but better than tier avg
95 of 276 Community CUs have this signature | 106 nationally
↑ Growing +30 CUs YoY | New qualifier

Margin Compression

decline
#19 of 140 • Bottom 37.9% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature
Return on Assets: 0.95%
(Tier: 0.85%, National: 1.23%)
but better than tier avg
ROA (Prior Year): 1.92%
(Tier: 0.75%, National: 0.66%)
but better than tier avg
ROA Change (YoY): -0.97% points
(Tier: 0.10% points, National: 0.47% points)
worse than tier avg
140 of 276 Community CUs have this signature | 167 nationally
→ Stable (143→140 CUs) -3 CUs YoY | New qualifier

Shrinking Wallet Share

decline
#136 of 223 • Bottom 89.5% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -1.89%
(Tier: 3.97%, National: 35.20%)
worse than tier avg
223 of 276 Community CUs have this signature | 308 nationally
↓ Shrinking -61 CUs YoY | New qualifier

Credit Quality Pressure

risk
#477 of 693 • Bottom 37.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.10% points
(Tier: 0.04% points, National: 0.08% points)
worse than tier avg
962 nationally
↓ Shrinking -83 CUs YoY | Rank worsening

Credit Risk Growth

risk
#419 of 472 • Bottom 60.4% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 1.60%
(Tier: 4.13%, National: 78.26%)
worse than tier avg
Delinquency Change (YoY): 0.10% points
(Tier: 0.04% points, National: 0.08% points)
worse than tier avg
688 nationally
↑ Growing +32 CUs YoY | Rank worsening

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 165 peers in tier

Top Strengths (7 metrics)

15
Total Assets
balance_sheet
Value: $730.54M
Peer Median: $621.76M
#15 of 165 Top 8.5% in 500M-750M tier
20
Total Deposits
balance_sheet
Value: $627.65M
Peer Median: $542.48M
#20 of 165 Top 11.5% in 500M-750M tier
24
Total Loans
balance_sheet
Value: $531.18M
Peer Median: $428.72M
#24 of 165 Top 13.9% in 500M-750M tier
33
Net Worth Ratio
risk
Value: 12.92%
Peer Median: 10.42%
#33 of 165 Top 19.4% in 500M-750M tier
34
Member Growth Rate
growth
Value: 3.56%
Peer Median: 0.59%
#34 of 165 Top 20.0% in 500M-750M tier
35
Indirect Auto Concentration (%)
balance_sheet
Value: 0.08%
Peer Median: 9.93%
#35 of 165 Top 20.6% in 500M-750M tier
38
Total Members
engagement
Value: 44,664
Peer Median: 36,716
#38 of 165 Top 22.4% in 500M-750M tier

Top Weaknesses (2 metrics)

145
AMR Growth Rate
growth
Value: -1.89%
Peer Median: 3.83%
#145 of 165 Bottom 12.7% in 500M-750M tier
127
Deposit Growth Rate
growth
Value: 1.61%
Peer Median: 4.04%
#127 of 165 Bottom 23.6% in 500M-750M tier
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