TellerScore

Headquartered in Hamburg, New York, Meridia Community Federal Credit Union is a federal credit union with $144.1M in total assets and $117.7M in member shares and deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1955.

Meridia Community Federal Credit Union has a TellerScore of 94 out of 100 (very strong) based on Q2 2026 data — higher than 98% of its 1,341 credit unions with $100 million – $1 billion. Among 268 credit unions headquartered in New York, it ranks 11th. Capital cushion contributes the most (100/100, 16.36%); funding & liquidity contributes the least (74/100, 86% loans-to-deposits, 1% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 16.36%
Loan quality91/100
Loans 60+ days delinquent ÷ total loans: 0.27%
Earnings100/100
Return on assets (annualized): 2.26%
Funding & liquidity74/100
Loans ÷ shares: 86.4% · 0.9% uninsured
Problem-loan coverage98/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.23%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (93 → 94).

TellerScore
859094Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202485
Q3 202486
Q4 202491
Q1 202591
Q2 202593
Q3 202593
Q4 202594
Q1 202694
Q2 202694
Net worth ratio
7.00%11.68%16.36%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202413.11%
Q3 202414.12%
Q4 202414.54%
Q1 202514.46%
Q2 202514.80%
Q3 202515.46%
Q4 202515.90%
Q1 202616.10%
Q2 202616.36%
Delinquent loans (60+ days)
0.19%0.45%0.70%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.58%
Q3 20240.70%
Q4 20240.36%
Q1 20250.35%
Q2 20250.20%
Q3 20250.29%
Q4 20250.19%
Q1 20260.22%
Q2 20260.27%
Return on assets
2.02%2.22%2.42%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.02%
Q3 20242.26%
Q4 20242.31%
Q1 20252.11%
Q2 20252.21%
Q3 20252.37%
Q4 20252.42%
Q1 20262.32%
Q2 20262.26%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202694$144.1M16.36%0.27%2.26%86.4%
Q1 202694$141.3M16.10%0.22%2.32%85.6%
Q4 202594$138.0M15.90%0.19%2.42%89.7%
Q3 202593$136.1M15.46%0.29%2.37%91.2%
Q2 202593$135.9M14.80%0.20%2.21%91.3%
Q1 202591$133.6M14.46%0.35%2.11%88.9%
Q4 202491$128.1M14.54%0.36%2.31%90.4%
Q3 202486$126.0M14.12%0.70%2.26%92.4%
Q2 202485$129.5M13.11%0.58%2.02%89.6%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio16.36%
91st
Problem loans0.27%
84th
Net charge-offs0.30%
57th
Return on assets2.26%
98th
Loans to deposits86.4%
25th
Uninsured deposits0.9%
95th
Loan-loss reserves0.00%
50th
Texas ratio1.2%
86th

Similar-size credit unions in New York

InstitutionScoreAssetsCapitalProblem loansCompare
Buffalo Metropolitan Federal Credit UnionCredit union Buffalo, NY44 out of 100, Below average$143.9M12.4%3.69%vs
Syracuse Fire Department Employees Federal Credit UnionCredit union Syracuse, NY89 out of 100, Very strong$147.4M15.2%0.95%vs
Town of Hempstead Employees Federal Credit UnionCredit union North Baldwin, NY56 out of 100, Moderate$149.4M8.0%1.39%vs
Great Erie Federal Credit UnionCredit union Orchard Park, NY80 out of 100, Strong$149.6M12.4%0.47%vs
Utica Gas & Electric Emp Federal Credit UnionCredit union New Hartford, NY73 out of 100, Strong$135.9M16.7%1.72%vs
Oswego County Federal Credit UnionCredit union Oswego, NY63 out of 100, Moderate$152.5M12.1%2.06%vs

Deposit insurance

Is my money safe at Meridia Community Federal Credit Union?

Yes. Meridia Community Federal Credit Union is a federally insured credit union (NCUA charter #10684). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 0.9% of shares and deposits ($1.1M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 16.36%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Meridia Community Federal Credit Union lists 3 offices in 2 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Meridia Community Federal Credit Union reported 85 home-loan applications under HMDA (LEI 254900VRRL70B52CAL31): 73 originated ($4,735,000 total), 12 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 14.1%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Meridia Community Federal Credit Union
Type
Federal credit union
NCUA charter #
10684
RSSD ID
800880
Primary regulator
NCUA
Established
1955
Headquarters
4500 Southwestern Blvd, Hamburg, NY 14075
Employees
22

Quick answers

Meridia Community Federal Credit Union: common questions

Is Meridia Community Federal Credit Union NCUA insured?

Yes. Meridia Community Federal Credit Union is a federally insured credit union (NCUA charter #10684). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Meridia Community Federal Credit Union's TellerScore?

94 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Meridia Community Federal Credit Union have?

3 offices as of the latest NCUA data.

Nearby

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InstitutionScoreAssetsCapitalProblem loansCompare
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Buffalo Conrail Federal Credit UnionCredit union Cheektowaga, NY91 out of 100, Very strong$61.0M22.3%0.17%vs