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
- MEM 97/100
- RANK 12.8%
- PHOTO 0.71%
- BOOK 1.24%
- CHARTER $712.9M
- NCUSIF 43,655
- CAMELS #169/4,374
- HEALTH Cornerstone Community
- NW 9160
Call Report peers
Meridian Trust in the assets neighbourhood
Meridian Trust's $712.9M assets sit next to Cornerstone Community ($713.4M) 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 Trust 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
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
Meridian Trust - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #9160, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
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%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for WY only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Meridian Trust
Meridian Trust: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.1% from $712.9M (2025Q4) to $727.8M (2026Q1).
- Net-worth ratio shifted -0.10 pp (12.88% → 12.78%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 97.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
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
Meridian Trust's nationwide photo peers by assets and by health score, excluding Wyoming charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($712.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (97/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Wyoming credit unions compare overall before assuming this one is typical. Wyoming 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 Trust financially healthy?
Meridian Trust scores 97/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #169 of 4,374; by total assets it ranks #607 of 4,374 nationally (same basis as /rankings/largest); and #3 of 18 within Wyoming. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 12.78% net worth ratio and a 0.71% delinquency rate.
How does Meridian Trust compare to other credit unions?
On PlainCU's health composite, Meridian Trust lands at 97/100, compared to a peer group average for Over $500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), 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 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?
Federal credit unions like Meridian Trust 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 Trust's net worth ratio of 12.78% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Meridian Trust offer compared to banks?
Credit unions like Meridian Trust 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 Trust 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.