Meriwest
San Jose, CA · Charter 68394 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 16 branches
Q2 2026
$2.1BAssets
$1.6BLoans
$1.7BShares
$192.6MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 40% of credit unions $1B-$10B in assets (rank 263 of 435).
- Widest gap: return on equity trails 95% of credit unions $1B-$10B in assets (rank 414 of 435).
- Overall: at or above the peer median on 0 of 7 directional measures.
Return on Assets
0.11%
Rank 414 of 435
Net Interest Margin
2.67%
Rank 383 of 435
Efficiency Ratio
85.76%
Rank 410 of 435
Equity / Assets
9.12%
Rank 380 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.11% | 0.55% | 0.81% | 1.14% | Beats 5% | 414 / 435 | | |
| Return on Equity | 1.24% | 5.12% | 7.41% | 9.70% | Beats 5% | 414 / 435 | | |
| Net Interest Margin | 2.67% | 3.01% | 3.39% | 3.75% | Beats 12% | 383 / 435 | | |
| Efficiency Ratio | 85.76% | 65.25% | 71.39% | 77.86% | Beats 6% | 410 / 435 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.81% | 0.45% | 0.69% | 1.05% | Beats 40% | 263 / 435 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.12% | 9.81% | 10.84% | 12.63% | Beats 13% | 380 / 435 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.12% | 9.81% | 10.84% | 12.63% | Beats 13% | 380 / 435 | | |
| Liquidity & Funding |
| Loans / Deposits | 93.35% | 78.33% | 88.38% | 95.61% | 67th pctl | 143 / 435 | | |
| Loans / Assets | 75.06% | 67.69% | 74.58% | 80.80% | 52nd pctl | 209 / 435 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |