Meridian
Ottumwa, IA · Charter 64212 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
$34.4MAssets
$13.2MLoans
$28.6MShares
$5.8MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 83% of credit unions under $1B in assets (rank 284 of 1682).
- Widest gap: net interest margin trails 64% of credit unions under $1B in assets (rank 1085 of 1683).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
1.02%
Rank 574 of 1,683
Net Interest Margin
3.55%
Rank 1,085 of 1,683
Efficiency Ratio
67.11%
Rank 362 of 1,682
Equity / Assets
16.74%
Rank 405 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.02% | 0.35% | 0.74% | 1.18% | Beats 66% | 574 / 1,683 | |
| Return on Equity | 6.12% | 2.67% | 5.89% | 8.74% | Beats 52% | 801 / 1,681 | |
| Net Interest Margin | 3.55% | 3.31% | 3.82% | 4.32% | Beats 36% | 1,085 / 1,683 | |
| Efficiency Ratio | 67.11% | 68.91% | 78.20% | 86.93% | Beats 79% | 362 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.14% | 0.26% | 0.65% | 1.29% | Beats 83% | 284 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 16.74% | 10.44% | 12.89% | 16.53% | Beats 76% | 405 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 16.74% | 10.44% | 12.89% | 16.53% | Beats 76% | 405 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 46.33% | 52.61% | 69.38% | 83.50% | 18th pctl | 1,382 / 1,683 | |
| Loans / Assets | 38.56% | 44.71% | 59.18% | 70.72% | 17th pctl | 1,402 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |