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
Call Report peers
MERIWEST in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); MERIWEST sits in 75-79 with 502 others.
75 24th percentile higher than 24% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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).
- One place up in California, CAPSTONE (#190) ties at 75/100; one place down, Alta Vista (#192) ties at 75/100.
How MERIWEST's 5300 filing moved
MERIWEST: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.1% from $2.14B (2025Q4) to $2.16B (2026Q1).
- Net-worth ratio shifted -0.08 pp (8.94% → 8.86%).
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
MERIWEST gives up 25 points in total. Member Growth costs the most, 10.9 of its 15; Loan-to-Share Ratio loses the least, 1.2.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is MERIWEST financially healthy?
On its 2025Q4 NCUA 5300 filing, MERIWEST scores 75/100 (Very Good), with a 8.86% net worth ratio and 1.18% of loans delinquent. It ranks #3,294 of 4,374 nationally on health and #191 of 243 in California.
How does MERIWEST compare to other credit unions?
MERIWEST scores 75/100, higher than 24% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (92.76% vs 83.90%). Its widest shortfall is net worth ratio (8.86% vs 11.18%).
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?
MERIWEST is a state-chartered 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. MERIWEST's net worth ratio of 8.86% 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.