Federal credit union · MERIDIAN, Mississippi · NCUA charter #15377
Meridian Mississippi Ang
Health score 89/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $30.6M
- Total assets
- 1,606
- Members
- 14.0%
- Net-worth ratio
Meridian Mississippi Ang - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #15377, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Meridian Mississippi Ang - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)65
- Earnings (ROA)100
- Member growth83
- Liquidity (loan-to-share)100
Weighted composite: 89/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 14.03%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 14.03% | 30% |
| Delinquency Rate | 1.50% | 25% |
| Return on Assets | 1.70% | 15% |
| Member Growth | 2.82% | 15% |
| Loan-to-Share Ratio | 85.25% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $30.6M | 1,606 |
| 2024Q4 | $28.0M | 1,562 |
| 2023Q4 | $26.0M | 1,508 |
Credit Union Details
- Charter Number
- 15377
- Type
- Federal
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Mississippi
- City
- MERIDIAN
- Data Quarter
- 2025Q4
What This Data Says About Meridian Mississippi Ang
The five-factor composite scores Meridian Mississippi Ang at 89/100 (Excellent), reflecting a net worth ratio of 14.03% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This federal credit union, headquartered in MERIDIAN, Mississippi, reports 1,606 members, $30.6M in total assets, and $22.4M in outstanding loans as of Q4 2025 under charter #15377 (peer group $10M–$50M, a cohort of 1163 similarly-sized institutions).
Loan book quality rounds out the picture. The delinquency rate of 1.50% measures loans 60+ days past due against total loans outstanding - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running looser than peers. The loan-to-share ratio of 85.25% indicates how aggressively member deposits are being deployed into lending, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 1.70% on net income of $522K 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 2.82%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Other); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
Nearby Credit Unions in Mississippi
More federally-insured credit unions based in Mississippi, ordered by peer group match and asset size.
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 Meridian Mississippi Ang financially healthy?
Meridian Mississippi Ang scores 89/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 14.03% net worth ratio and a 1.50% delinquency rate.
How does Meridian Mississippi Ang compare to other credit unions?
On PlainCU's health composite, Meridian Mississippi Ang lands at 89/100, compared to a peer group average for $10M–$50M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 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 Mississippi Ang?
Membership eligibility for Meridian Mississippi Ang depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Meridian Mississippi Ang directly for current membership requirements and application steps.
Is my money safe at Meridian Mississippi Ang?
Federal credit unions like Meridian Mississippi Ang 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 Mississippi Ang's net worth ratio of 14.03% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Meridian Mississippi Ang offer compared to banks?
Credit unions like Meridian Mississippi Ang 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 Mississippi Ang 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.