Federal credit union · HAMBURG, New York · NCUA charter #10684
Meridia Community
Health score 97/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 97
- Health / 100
- $138.0M
- Total assets
- 10,147
- Members
- 16.1%
- Net-worth ratio
Meridia Community scores 97/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $138.0M; members 10,147; net-worth ratio 16.10%; health rank #149 of 4,374; healthier than 95th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#149 of 4,374 health · 2025Q4Meridia Community · health 97/100 · $138.0M · 2025Q4
- ROA 97/100
- ASSETS 16.1%
- MEM 0.19%
- RANK 2.15%
- PHOTO $138.0M
- BOOK 10,147
- CHARTER #149/4,374
- NCUSIF Ukrainian Selfreliance Michigan
- CAMELS 10684
Call Report peers
Meridia Community in the assets neighbourhood
Meridia Community's $138.0M assets sit next to Ukrainian Selfreliance Michigan ($138.0M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Meridia Community vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
97 Top 5% higher than 95% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
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 vs $100M–$500M peers
- Loan-to-Share Ratio leads the peer set - 89.74% here, 72.20% peer average (+17.54 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Meridia Community in New York
- In New York, health place is #10 of 272 on the same NCUA-ratio sort used nationally.
- Assets rank #76 of 272 inside New York ($138.0M reported).
- Membership ranks #72 of 272 among New York CUs with a reported count (10,147 members).
In-state ordinals use the live credit_unions table for NY only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Meridia Community: 2025Q4 → 2026Q1
Meridia Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.4% from $138.0M (2025Q4) to $141.3M (2026Q1).
- Net-worth ratio shifted +0.20 pp (15.90% → 16.10%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 16.10% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 97/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 97.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 12.0 pts
- Loan-to-Share Ratio 15.0 pts
Meridia Community vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.10% | +3.99 pp |
| Delinquency Rate | 0.19% | -0.70 pp |
| Return on Assets | 2.15% | +1.52 pp |
| Member Growth | 2.51% | - |
| Loan-to-Share Ratio | 89.74% | +17.54 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $141.3M | - |
| 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
Branch Locations (3)
Per its most recent NCUA branch filing, Meridia Community runs 3 offices in 2 different cities.
| Office | City |
|---|---|
| Main Office (Main Office) | Hamburg, NY |
| Eden Branch | Eden, NY |
| Buffalo Street Office | Hamburg, NY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
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
Nationwide credit unions with similar profiles
Two NCUA Call Report peer sets for Meridia Community, both outside New York so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($138.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (97/100 here).
Using this data
- Meridia Community ranks #149 of 4,374 nationally on financial health and #10 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Syracuse Fire Department Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Syracuse Fire Department Employees
- Rates and health both vary by institution, not just by state -- see how New York credit unions compare overall before assuming this one is typical. New York state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
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 the national health ranking (same basis as /rankings/healthiest), it sits at #149 of 4,374; by total assets it ranks #1,558 of 4,374 nationally (same basis as /rankings/largest); and #76 of 272 within New York. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 16.10% 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 16.10% 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.
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.