Meritrust
Wichita, KS · Charter 24914 · Peer group: credit unions $1B-$10B in assets (n=422)
NCUA · 15 branches
Q2 2025
$2.2BAssets
$1.6BLoans
$1.8BShares
$184.6MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 59% of credit unions $1B-$10B in assets (rank 173 of 422).
- Widest gap: equity / assets trails 94% of credit unions $1B-$10B in assets (rank 396 of 422).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
0.38%
Rank 327 of 422
Net Interest Margin
2.64%
Rank 342 of 422
Efficiency Ratio
80.55%
Rank 327 of 422
Equity / Assets
8.47%
Rank 396 of 422
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.38% | 0.39% | 0.66% | 0.99% | Beats 23% | 327 / 422 | |
| Return on Equity | 4.43% | 3.75% | 6.19% | 8.88% | Beats 33% | 284 / 422 | |
| Net Interest Margin | 2.64% | 2.80% | 3.18% | 3.56% | Beats 19% | 342 / 422 | |
| Efficiency Ratio | 80.55% | 66.02% | 73.73% | 79.77% | Beats 23% | 327 / 422 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.56% | 0.41% | 0.65% | 0.96% | Beats 59% | 173 / 422 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 8.47% | 9.57% | 10.71% | 12.29% | Beats 6% | 396 / 422 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 8.47% | 9.57% | 10.71% | 12.29% | Beats 6% | 396 / 422 | |
| Liquidity & Funding |
| Loans / Deposits | 91.84% | 77.28% | 88.92% | 95.75% | 60th pctl | 167 / 422 | |
| Loans / Assets | 75.64% | 67.37% | 74.65% | 80.53% | 54th pctl | 193 / 422 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |