PackageTrendsPeer
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Meridia Community

Hamburg, NY · Charter 10684

NCUA · 3 branches

Q2 2026

$144.1MAssets
$101.7MLoans
$117.7MShares
$23.6MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 2.26%, up 5 bps year over year; NIM at 4.09%.
  • Asset quality: problem loans at 0.27% of loans (+7 bps YoY).
  • Capital: net worth / assets of 16.36%, up 156 bps from a year ago.
  • Funding: loans stand at 86.41% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.26%+5 bps YoY

Net Interest Margin (YTD, annualized)

4.09%-10 bps YoY

Efficiency Ratio (YTD, annualized)

51.79%+299 bps YoY

Net Worth / Assets

16.36%+156 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.21%2.37%2.42%2.32%2.26%+5 bps
Return on Equity14.93%15.34%15.22%14.42%13.82%-111 bps
Net Interest Margin4.19%4.27%4.24%4.12%4.09%-10 bps
Efficiency Ratio48.80%48.73%48.61%52.10%51.79%+299 bps
Growth
Asset Growth (YoY)5.00%7.98%7.76%5.82%5.98%+99 bps
Loan Growth (YoY)5.19%4.99%5.22%0.30%-1.98%-717 bps
Share Growth (YoY)3.26%6.37%6.01%4.21%3.52%+26 bps
Asset Quality
Delinquent Loans / Loans0.20%0.29%0.19%0.22%0.27%+7 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital14.80%15.46%15.90%16.10%16.36%+156 bps
Net Worth / Assets14.80%15.46%15.90%16.10%16.36%+156 bps
Liquidity & Funding
Loans / Shares91.25%91.23%89.74%85.56%86.41%-485 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps