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
Call Report peers
Meridian Mutual in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Meridian Mutual sits in 90-94 with 747 others.
93 Top 16% higher than 84% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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.
- One place up in Mississippi, ECM (#10) ties at 93/100; one place down, Vicksburg Railroad (#12) scores 90/100, 3 points lower.
Meridian Mutual Call Report trajectory
Meridian Mutual: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.9% from $69.3M (2025Q4) to $70.6M (2026Q1).
- Net-worth ratio shifted -0.16 pp (12.43% → 12.27%).
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
Meridian Mutual gives up 7 points in total. Loan-to-Share Ratio costs the most, 4.1 of its 15; Net Worth Ratio and Return on Assets and Member Growth score full marks.
- 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 |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Meridian Mutual financially healthy?
Meridian Mutual has a financial health score of 93/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #625 of 4,374 nationally on health and #11 of 55 in Mississippi. Its net worth ratio is 12.27% and its delinquency rate 0.82%.
How does Meridian Mutual compare to other credit unions?
Meridian Mutual scores 93/100, higher than 84% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is delinquency rate (0.82% vs 0.96%). Its widest shortfall is loan-to-share ratio (51.86% vs 62.60%).
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?
Meridian Mutual 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. Meridian Mutual's net worth ratio of 12.27% 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.