State credit union · Ottumwa, Iowa · NCUA charter #64212
MERIDIAN
Health score 85/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $33.7M
- Total assets
- 2,102
- Members
- 16.1%
- Net-worth ratio
MERIDIAN scores 85/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $33.7M; members 2,102; net-worth ratio 16.12%; health rank #1,916 of 4,374; healthier than 54th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#1,916 of 4,374 health · 2025Q4MERIDIAN · health 85/100 · $33.7M · 2025Q4
Call Report peers
MERIDIAN in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
MERIDIAN vs every NCUA-scored credit union
MERIDIAN sits in the busiest band, 85-89, alongside 857 other credit unions.
85 Top 46% higher than 54% 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
Peer-gap read for MERIDIAN
- Strongest edge vs 1163 $10M–$50M peers is Net Worth Ratio: +1.26 pp (16.12% vs 14.86%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -11.31 pp (48.49% vs 59.80%).
MERIDIAN in Iowa
- Iowa health ordinal: #38 of 66.
- Iowa assets place: #42 of 66.
- Iowa membership ordinal: #45 of 66.
- One place up in Iowa, Quaker Oats (#37) ties at 85/100; one place down, Power Co-Op Employees (#39) ties at 85/100.
MERIDIAN Call Report trajectory
MERIDIAN: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.2% from $33.7M (2025Q4) to $35.1M (2026Q1).
- Net-worth ratio shifted -0.41 pp (16.53% → 16.12%).
16.12% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 85/100 score is built
MERIDIAN gives up 15 points in total. Member Growth costs the most, 10.2 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 4.8 pts
- Loan-to-Share Ratio 10.2 pts
MERIDIAN health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.12% | +1.26 pp |
| Delinquency Rate | 0.36% | -0.78 pp |
| Return on Assets | 0.93% | +0.23 pp |
| Member Growth | -2.32% | - |
| Loan-to-Share Ratio | 48.49% | -11.31 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $35.1M | - |
| 2025Q4 | $33.7M | 2,102 |
| 2024Q4 | $34.3M | 2,152 |
| 2023Q4 | $33.6M | 2,150 |
Credit Union Details
- Charter Number
- 64212
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Iowa
- City
- Ottumwa
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, MERIDIAN runs 2 offices.
| Office | City |
|---|---|
| Meridian Credit Union (Main Office) | Ottumwa, IA |
| River Community Credit Union | Ottumwa, IA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Iowa
Other federally-insured credit unions in Iowa, closest first by peer group and asset size.
Other-state peers near MERIDIAN
Similar total assets
Similar health score
Using this data
- MERIDIAN ranks #1,916 of 4,374 nationally on financial health and #38 of 66 in IA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Holy Ghost Parish is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Holy Ghost Parish
Frequently Asked Questions
Is MERIDIAN financially healthy?
MERIDIAN has a financial health score of 85/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,916 of 4,374 nationally on health and #38 of 66 in Iowa. Its net worth ratio is 16.12% and its delinquency rate 0.36%.
How does MERIDIAN compare to other credit unions?
MERIDIAN scores 85/100, higher than 54% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is net worth ratio (16.12% vs 14.86%). Its widest shortfall is loan-to-share ratio (48.49% vs 59.80%).
How can I join MERIDIAN?
Membership eligibility for MERIDIAN depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact MERIDIAN directly for current membership requirements and application steps.
Is my money safe at MERIDIAN?
MERIDIAN is a state-chartered 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. MERIDIAN's net worth ratio of 16.12% 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.