PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Meritrust

Wichita, KS · Charter 24914

NCUA · 15 branches

Q2 2025

$2.2BAssets
$1.6BLoans
$1.8BShares
$184.6MNet 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 0.38%, up 2 bps year over year; NIM at 2.64%.
  • Asset quality: problem loans at 0.56% of loans (+3 bps YoY).
  • Capital: net worth / assets of 8.47%, down 74 bps from a year ago.
  • Funding: loans stand at 91.84% of shares as of Q2 2025.

Financial Results

Return on Assets (quarter, annualized)

0.38%+2 bps YoY

Net Interest Margin (quarter, annualized)

2.64%-30 bps YoY

Efficiency Ratio (quarter, annualized)

80.55%-244 bps YoY

Net Worth / Assets

8.47%-74 bps YoY

Discrete quarter, annualized.

MetricQ2 2024Q3 2024Q4 2024Q1 2025Q2 2025YoY ΔTrend
Earnings
Return on Assets0.35%0.41%0.38%0.17%0.38%+2 bps
Return on Equity3.81%4.45%4.36%1.96%4.43%+63 bps
Net Interest Margin2.95%2.92%2.79%2.61%2.64%-30 bps
Efficiency Ratio82.99%81.67%82.09%82.17%80.55%-244 bps
Growth
Asset Growth (YoY)4.54%6.02%10.15%10.61%12.70%+816 bps
Loan Growth (YoY)2.59%3.26%2.62%4.16%5.47%+288 bps
Share Growth (YoY)4.79%6.88%12.65%13.04%15.14%+1,035 bps
Asset Quality
Delinquent Loans / Loans0.53%0.51%0.60%0.56%0.56%+3 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 Capital9.22%9.18%8.76%8.44%8.47%-74 bps
Net Worth / Assets9.22%9.18%8.76%8.44%8.47%-74 bps
Liquidity & Funding
Loans / Shares100.27%97.76%92.54%90.26%91.84%-843 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps