MERIDIAN POSTAL
Charter #24894 · Meridian, MS · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 335 sits at the 10th percentile of structural peers — worth a closer look.
- Net interest margin of 1.52% sits at the 0th percentile of structural peers — worth a closer look.
- Cost of funds of 3.40% sits at the 97th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 9.66% sits at the 95th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 55th percentile but its structural peers at the 30th — a 26-point gap showing why the peer definition matters.
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 | MERIDIAN POSTAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $4.53M | 55th pct | 30th pct |
| Members | 335 | 28th pct | 10th pct |
| Net worth ratio | 22.49% | 67th pct | 67th pct |
| Return on average assets | 0.15% | 39th pct | 36th pct |
| Net interest margin | 1.52% | 4th pct | 0th pct |
| Cost of funds | 3.40% | 98th pct | 97th pct |
| Loan-to-share | 24.71% | 14th pct | 13th pct |
| Delinquency 60+ days | 0.40% | 39th pct | 38th pct |
| Net charge-off ratio | 9.66% | 98th pct | 95th pct |
| Loan growth YoY | 5.30% | 88th pct | 93th pct |
| Share growth YoY | -8.53% | 9th pct | 2th pct |
| Efficiency ratio | 89.82% | 56th pct | 61th pct |
structural peer set hash: 2529228a81a2082d6c3aa70e4b44e7ef… (reproducible)
Closest structural peers
This is the free public view
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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.