Federal credit union · Cheyenne, Wyoming · NCUA charter #9160
Meridian Trust
Health score 97/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 97
- Health / 100
- $712.9M
- Total assets
- 43,655
- Members
- 12.8%
- Net-worth ratio
Meridian Trust scores 97/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $712.9M; members 43,655; net-worth ratio 12.78%; health rank #169 of 4,374; healthier than 95th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#169 of 4,374 health · 2025Q4Meridian Trust · health 97/100 · $712.9M · 2025Q4
Call Report peers
Meridian Trust in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Meridian Trust vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Meridian Trust sits in 95-99 with 391 others.
97 Top 5% higher than 95% 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
Peer-gap read for Meridian Trust
- Strongest edge vs 749 Over $500M peers is Loan-to-Share Ratio: +2.77 pp (86.67% vs 83.90%).
Meridian Trust: in-state Call Report ranks
- Health composite ranks #1 of 18 among scored Wyoming credit unions.
- Assets rank #3 of 18 inside Wyoming ($712.9M reported).
- Member book place in Wyoming: #3 of 18.
- No Wyoming credit union scores higher; the runner-up, UNIWYO (#2) ties at 97/100.
Quarter path for Meridian Trust
Meridian Trust: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.1% from $712.9M (2025Q4) to $727.8M (2026Q1).
- Net-worth ratio shifted -0.10 pp (12.88% → 12.78%).
This credit union's 12.78% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 97/100 score is built
Meridian Trust gives up 3 points in total. Delinquency Rate costs the most, 2.1 of its 25; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 22.9 pts
- Return on Assets 15.0 pts
- Member Growth 14.3 pts
- Loan-to-Share Ratio 14.8 pts
Meridian Trust health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.78% | +1.60 pp |
| Delinquency Rate | 0.71% | -0.17 pp |
| Return on Assets | 1.24% | +0.73 pp |
| Member Growth | 4.43% | - |
| Loan-to-Share Ratio | 86.67% | +2.77 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Meridian Trust filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $727.8M | - |
| 2025Q4 | $712.9M | 43,655 |
| 2024Q4 | $677.2M | 41,804 |
| 2023Q4 | $680.2M | 40,952 |
Credit Union Details
- Charter Number
- 9160
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- Over $500M
- State
- Wyoming
- City
- Cheyenne
- Data Quarter
- 2025Q4
Branch Locations (9)
Meridian Trust operates 9 offices across 7 cities, spanning 3 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Meridian-East (Main Office) | Cheyenne, WY |
| Meridian - Alliance | Alliance, NE |
| Meridian-Main | Cheyenne, WY |
| Meridian-North | Cheyenne, WY |
| Meridian - Jackson | Jackson, WY |
| Meridian-Lander | Lander, WY |
| Meridian-Rawlins | Rawlins, WY |
| Meridian - Scottsbluff | Scottsbluff, NE |
| Meridian-Wellington | Wellington, CO |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Wyoming
Other federally-insured credit unions in Wyoming, closest first by peer group and asset size.
Cross-state Call Report peers for Meridian Trust
Using this data
- Meridian Trust ranks #169 of 4,374 nationally on financial health and #1 of 18 in WY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- UNIWYO is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with UNIWYO
Frequently Asked Questions
Is Meridian Trust financially healthy?
Meridian Trust has a financial health score of 97/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #169 of 4,374 nationally on health and #1 of 18 in Wyoming. Its net worth ratio is 12.78% and its delinquency rate 0.71%.
How does Meridian Trust compare to other credit unions?
Meridian Trust scores 97/100, higher than 95% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (86.67% vs 83.90%).
How can I join Meridian Trust?
Meridian Trust serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact Meridian Trust directly for the current list of qualifying groups.
Is my money safe at Meridian Trust?
Meridian Trust 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 Trust's net worth ratio of 12.78% 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.