Federal credit union · Meridian, Mississippi · NCUA charter #24894
Meridian Postal
Health score 60/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 60
- Health / 100
- $4.8M
- Total assets
- 342
- Members
- 22.5%
- Net-worth ratio
Meridian Postal scores 60/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $4.8M; members 342; net-worth ratio 22.49%; health rank #4,048 of 4,374; healthier than 7th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#4,048 of 4,374 health · 2025Q4Meridian Postal · health 60/100 · $4.8M · 2025Q4
Call Report peers
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Meridian Postal vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Meridian Postal sits in 60-64 with 179 others.
60 7th percentile higher than 7% 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 Postal diverges from peer averages
- Largest favorable gap: Net Worth Ratio at 22.49% vs peer 19.06% (+3.43 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -38.72 pp (24.88% vs 63.60%).
Meridian Postal: in-state Call Report ranks
- Mississippi health ordinal: #47 of 55.
- Assets rank #47 of 55 inside Mississippi ($4.8M reported).
- Mississippi membership ordinal: #54 of 55.
- One place up in Mississippi, Northeast Mississippi (#46) scores 66/100, 6 points higher; one place down, HEALTHPLUS (#48) scores 56/100, 4 points lower.
Meridian Postal: 2025Q4 → 2026Q1
Meridian Postal: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -5.7% from $4.8M (2025Q4) to $4.5M (2026Q1).
- Net-worth ratio shifted +1.32 pp (21.17% → 22.49%).
22.49% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 60/100 score is built
Meridian Postal gives up 40 points in total. Delinquency Rate costs the most, 21.7 of its 25; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 3.3 pts
- Return on Assets 9.4 pts
- Member Growth 9.4 pts
- Loan-to-Share Ratio 7.9 pts
Meridian Postal health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 22.49% | +3.43 pp |
| Delinquency Rate | 3.48% | +1.67 pp |
| Return on Assets | 0.12% | -0.33 pp |
| Member Growth | 0.29% | - |
| Loan-to-Share Ratio | 24.88% | -38.72 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Call Report history - Meridian Postal
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $4.5M | - |
| 2025Q4 | $4.8M | 342 |
| 2024Q4 | $4.8M | 341 |
| 2023Q4 | $4.8M | 355 |
Credit Union Details
- Charter Number
- 24894
- Type
- Federal
- Field of Membership
- Low Income
- Peer Group
- $2M–$10M
- State
- Mississippi
- City
- Meridian
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Meridian Postal runs one office.
| Office | City |
|---|---|
| Meridian Postal Federal Credit Union (Main Office) | Meridian, MS |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Mississippi
A look at other Mississippi credit unions, ranked by how closely their peer group and asset size match this one.
Meridian Postal nationwide neighbourhoods
Similar health score
Using this data
- Meridian Postal ranks #4,048 of 4,374 nationally on financial health and #47 of 55 in MS -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Community Partners is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Community Partners
Frequently Asked Questions
Is Meridian Postal financially healthy?
On its 2025Q4 NCUA 5300 filing, Meridian Postal scores 60/100 (Good), with a 22.49% net worth ratio and 3.48% of loans delinquent. It ranks #4,048 of 4,374 nationally on health and #47 of 55 in Mississippi.
How does Meridian Postal compare to other credit unions?
Meridian Postal scores 60/100, higher than 7% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is net worth ratio (22.49% vs 19.06%). Its widest shortfall is loan-to-share ratio (24.88% vs 63.60%).
How can I join Meridian Postal?
Meridian Postal carries an NCUA Low-Income Designation, which typically means anyone can join regardless of employer or location, and the credit union is eligible for supplemental capital and secondary capital rules not available to standard charters. Contact Meridian Postal directly to confirm current membership steps.
Is my money safe at Meridian Postal?
Meridian Postal 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 Postal's net worth ratio of 22.49% 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.