PackageTrendsPeer
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Meridian

Ottumwa, IA · Charter 64212

NCUA · 2 branches

Q2 2026

$34.4MAssets
$13.2MLoans
$28.6MShares
$5.8MNet 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 1.02%, up 30 bps year over year; NIM at 3.55%.
  • Asset quality: problem loans at 0.14% of loans (-77 bps YoY).
  • Capital: net worth / assets of 16.74%, up 58 bps from a year ago.
  • Funding: loans stand at 46.33% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.02%+30 bps YoY

Net Interest Margin (YTD, annualized)

3.55%+7 bps YoY

Efficiency Ratio (YTD, annualized)

67.14%-413 bps YoY

Net Worth / Assets

16.74%+58 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.73%0.82%0.75%1.01%1.02%+30 bps
Return on Equity4.50%4.93%4.55%6.24%6.11%+161 bps
Net Interest Margin3.48%3.60%3.56%3.44%3.55%+7 bps
Efficiency Ratio71.27%71.81%72.53%68.50%67.14%-413 bps
Growth
Asset Growth (YoY)-0.41%-0.20%-1.68%-0.60%1.98%+239 bps
Loan Growth (YoY)-1.54%4.04%4.19%-1.16%-3.58%-204 bps
Share Growth (YoY)-1.49%-1.12%-2.85%-1.51%1.37%+286 bps
Asset Quality
Delinquent Loans / Loans0.91%0.85%0.36%0.37%0.14%-77 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 Capital16.16%16.64%16.53%16.12%16.74%+58 bps
Net Worth / Assets16.16%16.64%16.53%16.12%16.74%+58 bps
Liquidity & Funding
Loans / Shares48.71%50.67%48.49%44.29%46.33%-238 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps