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
- DELQ 85/100
- ROA 16.1%
- ASSETS 0.36%
- MEM 0.93%
- RANK $33.7M
- PHOTO 2,102
- BOOK #1,916/4,374
- CHARTER Antioch Community
- NCUSIF 64212
Call Report peers
MERIDIAN in the assets neighbourhood
MERIDIAN's $33.7M assets sit next to Antioch Community ($33.8M) 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.
MERIDIAN 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
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
MERIDIAN - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #64212, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
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%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
MERIDIAN in Iowa
- Iowa health ordinal: #38 of 66.
- Iowa assets place: #42 of 66.
- Iowa membership ordinal: #45 of 66.
In-state ordinals use the live credit_unions table for IA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
MERIDIAN Call Report trajectory
MERIDIAN: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +4.2% from $33.7M (2025Q4) to $35.1M (2026Q1).
- Net-worth ratio shifted -0.41 pp (16.53% → 16.12%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 85.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
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
Cross-state asset and health neighbours for MERIDIAN - kept outside Iowa; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($33.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (85/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Iowa credit unions compare overall before assuming this one is typical. Iowa 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 MERIDIAN financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, MERIDIAN carries a financial health score of 85/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #1,916 of 4,374; by total assets it ranks #2,755 of 4,374 nationally (same basis as /rankings/largest); and #42 of 66 within Iowa. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 16.12% net worth ratio and a 0.36% delinquency rate.
How does MERIDIAN compare to other credit unions?
MERIDIAN scores 85/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 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?
Federal credit unions like MERIDIAN 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. MERIDIAN's net worth ratio of 16.12% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does MERIDIAN offer compared to banks?
Credit unions like MERIDIAN 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 MERIDIAN 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.