Federal credit union · Cheyenne, Wyoming · NCUA charter #9160
Meridian Trust
Health score 97/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 97
- Health / 100
- $712.9M
- Total assets
- 43,655
- Members
- 12.9%
- Net-worth ratio
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.
Meridian Trust - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)92
- Earnings (ROA)100
- Member growth95
- Liquidity (loan-to-share)100
Weighted composite: 97/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 12.88% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 12.88% | 30% |
| Delinquency Rate | 0.71% | 25% |
| Return on Assets | 1.24% | 15% |
| Member Growth | 4.43% | 15% |
| Loan-to-Share Ratio | 86.67% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Meridian Trust
Headquartered in Cheyenne, Wyoming, Meridian Trust is a federal credit union with 43,655 members, $712.9M in total assets, and $535.0M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 97/100 (Excellent), driven in part by a net worth ratio of 12.88% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #9160 and reports within peer group Over $500M, a cohort of 749 similarly-sized institutions.
Deposits deployed into lending sit at a 86.67% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Loan quality, meanwhile, shows 0.71% of the book 60+ days past due - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running tighter than peers. Return on assets stands at 1.24% on net income of $8.8M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 4.43%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Multiple Common Bond); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
Nearby Credit Unions in Wyoming
Other federally-insured credit unions in Wyoming, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
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. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 12.88% 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 12.88% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.