MERIDIAN MUTUAL
Charter #8433 · Meridian, MS · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 7,606 ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 0.33% sits at the 20th percentile of structural peers — worth a closer look.
- Net interest margin of 3.06% sits at the 20th percentile of structural peers — worth a closer look.
- Cost of funds of 1.44% sits at the 80th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.96% sits at the 77th percentile of structural peers — worth a closer look.
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 MUTUAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $70.60M | 48th pct | 48th pct |
| Members | 7,606 | 85th pct | 82th pct |
| Net worth ratio | 12.27% | 44th pct | 57th pct |
| Return on average assets | 0.33% | 30th pct | 20th pct |
| Net interest margin | 3.06% | 18th pct | 20th pct |
| Cost of funds | 1.44% | 77th pct | 80th pct |
| Loan-to-share | 53.00% | 36th pct | 43th pct |
| Delinquency 60+ days | 0.96% | 70th pct | 77th pct |
| Net charge-off ratio | 0.16% | 40th pct | 46th pct |
| Loan growth YoY | 7.35% | 96th pct | 95th pct |
| Share growth YoY | 9.13% | 95th pct | 85th pct |
| Efficiency ratio | 92.69% | 87th pct | 93th pct |
structural peer set hash: 416d041b03c59b603ba4eb5207346f3f… (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.