Meridia Community
Hamburg, NY · Charter 10684 · Peer group: credit unions under $1B in assets in the Buffalo-Cheektowaga, NY area (n=60)
NCUA · 3 branches
Q2 2026
$144.1MAssets
$101.7MLoans
$117.7MShares
$23.6MNet Worth
Executive Summary
- Strongest standing: return on assets outperforms 97% of credit unions under $1B in assets in the Buffalo-Cheektowaga, NY area (rank 2 of 60).
- Widest gap: equity / assets trails 27% of credit unions under $1B in assets in the Buffalo-Cheektowaga, NY area (rank 16 of 60).
- Overall: at or above the peer median on 7 of 7 directional measures.
Return on Assets
2.26%
Rank 2 of 60
Net Interest Margin
4.09%
Rank 14 of 60
Efficiency Ratio
51.80%
Rank 3 of 60
Equity / Assets
16.36%
Rank 16 of 60
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.26% | 0.35% | 0.84% | 1.37% | Beats 97% | 2 / 60 | | |
| Return on Equity | 13.82% | 2.76% | 6.36% | 10.04% | Beats 95% | 3 / 60 | | |
| Net Interest Margin | 4.09% | 3.02% | 3.63% | 4.05% | Beats 77% | 14 / 60 | | |
| Efficiency Ratio | 51.80% | 67.68% | 77.48% | 89.33% | Beats 97% | 3 / 60 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.27% | 0.32% | 0.64% | 1.44% | Beats 80% | 13 / 60 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 16.36% | 10.72% | 13.16% | 17.68% | Beats 73% | 16 / 60 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 16.36% | 10.72% | 13.16% | 17.68% | Beats 73% | 16 / 60 | | |
| Liquidity & Funding |
| Loans / Deposits | 86.41% | 43.79% | 55.03% | 72.55% | 90th pctl | 6 / 60 | | |
| Loans / Assets | 70.60% | 36.50% | 47.22% | 58.67% | 92nd pctl | 5 / 60 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |