MERIDIAN
Charter #64212 · Ottumwa, IA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net charge-off ratio of 0.70% sits at the 87th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 73rd percentile but its structural peers at the 44th — a 29-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 | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $35.14M | 73th pct | 44th pct |
| Members | 2,113 | 50th pct | 43th pct |
| Net worth ratio | 16.12% | 66th pct | 72th pct |
| Return on average assets | 1.03% | 69th pct | 59th pct |
| Net interest margin | 3.51% | 34th pct | 56th pct |
| Cost of funds | 0.58% | 37th pct | 36th pct |
| Loan-to-share | 44.29% | 27th pct | 34th pct |
| Delinquency 60+ days | 0.37% | 40th pct | 48th pct |
| Net charge-off ratio | 0.70% | 78th pct | 87th pct |
| Loan growth YoY | -6.82% | 19th pct | 11th pct |
| Share growth YoY | 6.59% | 84th pct | 84th pct |
| Efficiency ratio | 68.50% | 24th pct | 34th pct |
structural peer set hash: a053d17bd61f3a127864d9ca77c74d2c… (reproducible)
Closest structural peers
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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.