Side-by-side · Q2 2026 data
Water'S Edge Federal Credit Union vs Meridian Postal Federal Credit Union
Credit union
Water'S Edge Federal Credit Union
Biloxi, Mississippi · Under $100 million in assets
Credit union
Meridian Postal Federal Credit Union
Meridian, Mississippi · Under $100 million in assets
Metric by metric
| Measure | Water'S Edge Federal Credit Union | Meridian Postal Federal Credit Union |
|---|---|---|
| TellerScore | 49 | 86 (stronger) |
| Capital cushion | 22 | 100 (stronger) |
| Loan quality | 63 | 100 (stronger) |
| Earnings | 18 | 30 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 85 | 100 (stronger) |
| Peer percentile | 8th | 80th |
| Total assets | $5.0M | $4.4M |
| Deposits / shares | $4.4M | $3.4M |
| Capital ratio | 7.16% | 23.04% (stronger) |
| Problem loans | 1.12% | 0.00% (stronger) |
| Net charge-offs | -1.22% (stronger) | 3.43% |
| Return on assets | -0.05% | 0.25% (stronger) |
| Loans ÷ deposits | 58.2% | 25.5% (stronger) |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Meridian Postal Federal Credit Union has the higher TellerScore (86 vs 49). On the 6 directional measures above (where higher or lower is clearly better), Water'S Edge Federal Credit Union leads on 1 and Meridian Postal Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.