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
- NCUSIF 60/100
- CAMELS 22.5%
- HEALTH 3.48%
- NW 0.12%
- DELQ $4.8M
- ROA 342
- ASSETS #4,048/4,374
- MEM n/a
- RANK 24894
Call Report peers
Meridian Postal carries $4.8M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Meridian Postal 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
60 7th percentile higher than 7% 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 Postal - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #24894, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
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%).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
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 Postal: 2025Q4 → 2026Q1
Meridian Postal: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -5.7% from $4.8M (2025Q4) to $4.5M (2026Q1).
- Net-worth ratio shifted +1.32 pp (21.17% → 22.49%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 60.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
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
Meridian Postal's nationwide photo peers by assets and by health score, excluding Mississippi charters.
Similar health score
Nearest other-state credit unions by five-factor health composite (60/100 here).
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
- 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 Postal financially healthy?
Yes/no aside, the number is 60/100 (Good) - Meridian Postal's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,048 of 4,374; by total assets it ranks #3,910 of 4,374 nationally (same basis as /rankings/largest); and #47 of 55 within Mississippi. Above 80 reads excellent, below 50 warrants closer monitoring; a 22.49% net worth ratio and 3.48% delinquency rate are the key drivers.
How does Meridian Postal compare to other credit unions?
60/100 is Meridian Postal's score on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 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?
Federal credit unions like Meridian Postal 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 Postal's net worth ratio of 22.49% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Meridian Postal offer compared to banks?
Credit unions like Meridian Postal 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 Postal 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.