State credit union · SAN JOSE, California · NCUA charter #68394
MERIWEST
Health score 75/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 75
- Health / 100
- $2.14B
- Total assets
- 77,317
- Members
- 8.9%
- Net-worth ratio
MERIWEST scores 75/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $2.14B; members 77,317; net-worth ratio 8.86%; health rank #3,294 of 4,374; healthier than 24th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#3,294 of 4,374 health · 2025Q4MERIWEST · health 75/100 · $2.14B · 2025Q4
- HEALTH 75/100
- NW 8.9%
- DELQ 1.18%
- ROA 0.26%
- ASSETS $2.14B
- MEM 77,317
- RANK #3,294/4,374
- PHOTO Potlatch No. 1 Financial
- BOOK 68394
Call Report peers
MERIWEST in the assets neighbourhood
MERIWEST's $2.14B assets sit next to Potlatch No. 1 Financial ($2.13B) 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.
MERIWEST 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
75 24th percentile higher than 24% 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
MERIWEST - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #68394. See our deposit-insurance coverage note.
Peer-gap read for MERIWEST
- Largest favorable gap: Loan-to-Share Ratio at 92.76% vs peer 83.90% (+8.86 pp).
- Largest lag: Net Worth Ratio at 8.86% vs peer 11.18% (-2.32 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
California standing for MERIWEST
- Health composite ranks #191 of 243 among scored California credit unions.
- California assets place: #34 of 243.
- Membership ranks #46 of 243 among California CUs with a reported count (77,317 members).
In-state ordinals use the live credit_unions table for CA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How MERIWEST's 5300 filing moved
MERIWEST: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.1% from $2.14B (2025Q4) to $2.16B (2026Q1).
- Net-worth ratio shifted -0.08 pp (8.94% → 8.86%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 8.86%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 75/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 75.
- Net Worth Ratio 27.2 pts
- Delinquency Rate 18.7 pts
- Return on Assets 11.4 pts
- Member Growth 4.1 pts
- Loan-to-Share Ratio 13.6 pts
MERIWEST health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.86% | -2.32 pp |
| Delinquency Rate | 1.18% | +0.30 pp |
| Return on Assets | 0.26% | -0.25 pp |
| Member Growth | -2.73% | - |
| Loan-to-Share Ratio | 92.76% | +8.86 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).
MERIWEST quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $2.16B | - |
| 2025Q4 | $2.14B | 77,317 |
| 2024Q4 | $2.10B | 79,486 |
| 2023Q4 | $2.19B | 80,393 |
Credit Union Details
- Charter Number
- 68394
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- California
- City
- SAN JOSE
- Data Quarter
- 2025Q4
Branch Locations (15)
The NCUA branch filing lists 15 physical offices for MERIWEST, spread across 11 cities in 4 states.
| Office | City |
|---|---|
| Corporate Office- San Jose (Main Office) | San Jose, CA |
| EASE | allen, TX |
| Cupertino Financial Center | Cupertino, CA |
| Agility Recovery | Denver, CO |
| Milpitas Financial Center | Milpitas, CA |
| Morgan Hill Financial Center | Morgan Hill, CA |
| Monta Loma Financial Center | Mountain View, CA |
| Palo Alto VA Hospital | Palo Alto, CA |
| Microsoft Azure | Redmond, WA |
| Chesbro Financial Center | San Jose, CA |
| Cottle Financial Center | San Jose, CA |
| Hillsdale Finacial Center | San Jose, CA |
| IBM Silicon Valley Lab | San Jose, CA |
| Santa Clara Financial Center | Santa Clara, CA |
| Sunnyvale Financial Center | Sunnyvale, CA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in California
Other federally-insured credit unions in California, closest first by peer group and asset size.
Other-state peers near MERIWEST
Two NCUA Call Report peer sets for MERIWEST, both outside California so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($2.14B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (75/100 here).
Using this data
- MERIWEST ranks #3,294 of 4,374 nationally on financial health and #191 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Caltech Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Caltech Employees
- Rates and health both vary by institution, not just by state -- see how California credit unions compare overall before assuming this one is typical. California 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 MERIWEST financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, MERIWEST carries a financial health score of 75/100 (Very Good). On the national health ranking (same basis as /rankings/healthiest), it sits at #3,294 of 4,374; by total assets it ranks #245 of 4,374 nationally (same basis as /rankings/largest); and #34 of 243 within California. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 8.86% net worth ratio and a 1.18% delinquency rate.
How does MERIWEST compare to other credit unions?
75/100 is MERIWEST's score on PlainCU's health composite, compared to a peer group average for Over $500M 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 MERIWEST?
Membership eligibility for MERIWEST depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact MERIWEST directly for current membership requirements and application steps.
Is my money safe at MERIWEST?
Federal credit unions like MERIWEST 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. MERIWEST's net worth ratio of 8.86% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does MERIWEST offer compared to banks?
Credit unions like MERIWEST 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 MERIWEST 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.