MERIDIAN TRUST
Charter #9160 · Cheyenne, WY · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net charge-off ratio of 0.26% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 53rd percentile but its structural peers at the 34th — a 19-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 TRUST | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $727.82M | 53th pct | 34th pct |
| Members | 43,655 | 56th pct | 38th pct |
| Net worth ratio | 12.78% | 79th pct | 70th pct |
| Return on average assets | 0.64% | 52th pct | 56th pct |
| Net interest margin | 3.70% | 68th pct | 64th pct |
| Cost of funds | 1.62% | 63th pct | 64th pct |
| Loan-to-share | 84.79% | 60th pct | 51th pct |
| Delinquency 60+ days | 0.64% | 54th pct | 57th pct |
| Net charge-off ratio | 0.26% | 29th pct | 21th pct |
| Loan growth YoY | -0.07% | 38th pct | 36th pct |
| Share growth YoY | 2.82% | 32th pct | 39th pct |
| Efficiency ratio | 81.94% | 67th pct | 62th pct |
structural peer set hash: 9c9583ab71d38c5bd2cad7dd9fdcdf09… (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.