BlastPoint's Credit Union Scorecard
MERIDIAN TRUST
Charter #9160 · WY
MERIDIAN TRUST demonstrates 6 strengths
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 1.2% in tier
- + Organic Growth Leader: Top 9.0% in tier
- + Profitability Leader: Top 17.7% 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
No key concerns identified
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
|
66% |
| 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
|
81% |
| 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
|
80% |
| 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
|
82% |
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| 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
|
68% |
| 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
|
47% |
| 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
|
61% |
| 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
|
58% |
| 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
|
43% |
| Indirect Auto % |
0.1%
-40.3% YoY-11.7% QoQ
|
-13.9% |
14.0%
-5.7% YoY
|
19.6%
+0.8% YoY
|
7.9%
-2.9% YoY
|
32% |
Signature Analysis
Strengths (3)
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.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Concerns (0)
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)