MERIDIA COMMUNITY
Charter #10684 · HAMBURG, NY · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 16.10% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 2.35% ranks in the 97th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.84% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.22% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.09% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | MERIDIA COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $141.35M | 26th pct | 41th pct |
| Members | 10,109 | 33th pct | 41th pct |
| Net worth ratio | 16.10% | 90th pct | 85th pct |
| Return on average assets | 2.35% | 98th pct | 97th pct |
| Net interest margin | 4.17% | 80th pct | 64th pct |
| Cost of funds | 0.84% | 30th pct | 23th pct |
| Loan-to-share | 85.56% | 80th pct | 64th pct |
| Delinquency 60+ days | 0.22% | 15th pct | 13th pct |
| Net charge-off ratio | 0.09% | 17th pct | 11th pct |
| Loan growth YoY | -3.41% | 14th pct | 7th pct |
| Share growth YoY | 2.98% | 43th pct | 33th pct |
| Efficiency ratio | 52.10% | 3th pct | 0th pct |
structural peer set hash: d1fdedaf70fc2674ad8cc2f24ad0a77f… (reproducible)
Closest structural peers
This is the free public view
Claim MERIDIA COMMUNITY
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.