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
Call Report peers
Meridia Community in the assets neighbourhood
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Meridia Community vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Meridia Community sits in 95-99 with 391 others.
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 vs $100M–$500M peers
- Loan-to-Share Ratio leads the peer set - 89.74% here, 72.20% peer average (+17.54 pp).
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).
- One place up in New York, Buffalo Police (#9) ties at 97/100; one place down, DANNEMORA (#11) ties at 97/100.
Meridia Community: 2025Q4 → 2026Q1
Meridia Community: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.4% from $138.0M (2025Q4) to $141.3M (2026Q1).
- Net-worth ratio shifted +0.20 pp (15.90% → 16.10%).
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
Meridia Community gives up 3 points in total. Member Growth costs the most, 3 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
Similar total assets
Similar health score
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
Frequently Asked Questions
Is Meridia Community financially healthy?
On its 2025Q4 NCUA 5300 filing, Meridia Community scores 97/100 (Excellent), with a 16.10% net worth ratio and 0.19% of loans delinquent. It ranks #149 of 4,374 nationally on health and #10 of 272 in New York.
How does Meridia Community compare to other credit unions?
Meridia Community scores 97/100, higher than 95% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (89.74% vs 72.20%).
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?
Meridia Community is a federal credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.