Federal credit union · HAMBURG, New York · NCUA charter #10684
Meridia Community
Health score 97/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 97
- Health / 100
- $138.0M
- Total assets
- 10,147
- Members
- 15.9%
- Net-worth ratio
Meridia Community - Share Insurance Coverage
Charter #10684's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Meridia Community - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth80
- Liquidity (loan-to-share)100
Weighted composite: 97/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 15.90% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 15.90% | 30% |
| Delinquency Rate | 0.19% | 25% |
| Return on Assets | 2.15% | 15% |
| Member Growth | 2.51% | 15% |
| Loan-to-Share Ratio | 89.74% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $138.0M | 10,147 |
| 2024Q4 | $128.1M | 9,899 |
| 2023Q4 | $123.8M | 9,754 |
Credit Union Details
- Charter Number
- 10684
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- New York
- City
- HAMBURG
- Data Quarter
- 2025Q4
What This Data Says About Meridia Community
The five-factor composite scores Meridia Community at 97/100 (Excellent), reflecting a net worth ratio of 15.90% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This federal credit union, headquartered in HAMBURG, New York, reports 10,147 members, $138.0M in total assets, and $102.9M in outstanding loans as of Q4 2025 under charter #10684 (peer group $100M–$500M, a cohort of 1069 similarly-sized institutions).
On loan book quality: 0.19% of loans are 60+ days past due against the total loan book - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running tighter than peers. Meanwhile a 89.74% loan-to-share ratio shows how aggressively member deposits get deployed into lending, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 2.15% on net income of $3.0M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 2.51%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Community). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
Nearby Credit Unions in New York
Other federally-insured credit unions in New York, closest first by peer group and asset size.
- SYRACUSE FIRE DEPARTMENT EMPLOYEESSYRACUSE, NY · $100M–$500M92Health
- BUFFALO METROPOLITANBUFFALO, NY · $100M–$500M71Health
- UTICA GAS & ELECTRIC EMPNEW HARTFORD, NY · $100M–$500M84Health
- UFIRSTPlattsburgh, NY · $100M–$500M95Health
- TOWN OF HEMPSTEAD EMPLOYEESNORTH BALDWIN, NY · $100M–$500M79Health
Compare Meridia Community vs SYRACUSE FIRE DEPARTMENT EMPLOYEES
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Meridia Community financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Meridia Community carries a financial health score of 97/100 (Excellent). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 15.90% net worth ratio and a 0.19% delinquency rate.
How does Meridia Community compare to other credit unions?
Five weighted metrics from NCUA filings produce Meridia Community's 97/100 score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Meridia Community?
Meridia Community operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Meridia Community directly for the exact boundaries and application steps.
Is my money safe at Meridia Community?
Federal credit unions like Meridia Community are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Meridia Community's net worth ratio of 15.90% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Meridia Community offer compared to banks?
Credit unions like Meridia Community are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Meridia Community directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.