Federal credit union · Meridian, Mississippi · NCUA charter #8433
Meridian Mutual
Health score 93/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $69.3M
- Total assets
- 7,452
- Members
- 12.3%
- Net-worth ratio
Meridian Mutual scores 93/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $69.3M; members 7,452; net-worth ratio 12.27%; health rank #625 of 4,374; healthier than 84th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#625 of 4,374 health · 2025Q4Meridian Mutual · health 93/100 · $69.3M · 2025Q4
- NCUSIF 93/100
- CAMELS 12.3%
- HEALTH 0.82%
- NW 0.61%
- DELQ $69.3M
- ROA 7,452
- ASSETS #625/4,374
- MEM Greater Niagara
- RANK 8433
Call Report peers
Meridian Mutual in the assets neighbourhood
Meridian Mutual's $69.3M assets sit next to Greater Niagara ($69.3M) 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 Mutual 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
93 Top 16% higher than 84% 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 Mutual - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #8433, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Where Meridian Mutual diverges from peer averages
- Delinquency Rate leads the peer set - 0.82% here, 0.96% peer average (-0.14 pp).
- Largest lag: Loan-to-Share Ratio at 51.86% vs peer 62.60% (-10.74 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Meridian Mutual sits in Mississippi
- Mississippi health ordinal: #11 of 55.
- By total assets, Meridian Mutual is #17 of 55 in Mississippi.
- Mississippi membership ordinal: #17 of 55.
In-state ordinals use the live credit_unions table for MS only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Meridian Mutual Call Report trajectory
Meridian Mutual: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.9% from $69.3M (2025Q4) to $70.6M (2026Q1).
- Net-worth ratio shifted -0.16 pp (12.43% → 12.27%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 12.27% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 93/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 93.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 21.8 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 11.2 pts
Meridian Mutual vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.27% | -1.35 pp |
| Delinquency Rate | 0.82% | -0.14 pp |
| Return on Assets | 0.61% | -0.05 pp |
| Member Growth | 7.05% | - |
| Loan-to-Share Ratio | 51.86% | -10.74 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $70.6M | - |
| 2025Q4 | $69.3M | 7,452 |
| 2024Q4 | $58.7M | 6,961 |
| 2023Q4 | $56.4M | 6,728 |
Credit Union Details
- Charter Number
- 8433
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Mississippi
- City
- Meridian
- Data Quarter
- 2025Q4
Branch Locations (3)
Meridian Mutual operates 3 offices across 2 cities, spanning 2 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office (Main Office) | Meridian, MS |
| CuSouth | Fairhope, AL |
| PSD North Branch | Meridian, MS |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Mississippi
More federally-insured credit unions based in Mississippi, ordered by peer group match and asset size.
Cross-state Call Report peers for Meridian Mutual
Two NCUA Call Report peer sets for Meridian Mutual, both outside Mississippi 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 ($69.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (93/100 here).
Using this data
- Meridian Mutual ranks #625 of 4,374 nationally on financial health and #11 of 55 in MS -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Eagle Express is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Eagle Express
- Rates and health both vary by institution, not just by state -- see how Mississippi credit unions compare overall before assuming this one is typical. Mississippi 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 Mutual financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Meridian Mutual carries a financial health score of 93/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #625 of 4,374; by total assets it ranks #2,149 of 4,374 nationally (same basis as /rankings/largest); and #17 of 55 within Mississippi. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 12.27% net worth ratio and a 0.82% delinquency rate.
How does Meridian Mutual compare to other credit unions?
PlainCU's health composite puts Meridian Mutual at 93/100, compared to a peer group average for $50M–$100M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 Mutual?
Meridian Mutual 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 Meridian Mutual directly for the exact boundaries and application steps.
Is my money safe at Meridian Mutual?
Federal credit unions like Meridian Mutual 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 Mutual's net worth ratio of 12.27% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Meridian Mutual offer compared to banks?
Credit unions like Meridian Mutual 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 Mutual 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.