TellerScore

Headquartered in Meridian, Mississippi, Meridian Mutual Federal Credit Union is a federal credit union with $71.2M in total assets and $62.6M in member shares and deposits as of Q2 2026. It operates 3 offices across 2 states. Its charter dates back to 1953.

Based on its Q2 2026 filing, Meridian Mutual Federal Credit Union scores 71/100, which we describe as strong. That is higher than only 42% of 2,479 credit unions with under $100 million in assets. Among 55 credit unions headquartered in Mississippi, it ranks 29th. Its strongest component is funding & liquidity (100/100; 54% loans-to-deposits, 6% uninsured), and its lowest is earnings (48/100; 0.69%).

TellerScore · Q2 2026

Scorecard

Capital cushion74/100
Net worth ratio: 12.43%
Loan quality60/100
Loans 60+ days delinquent ÷ total loans: 1.19%
Earnings48/100
Return on assets (annualized): 0.69%
Funding & liquidity100/100
Loans ÷ shares: 53.6% · 5.8% uninsured
Problem-loan coverage91/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.53%

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

From Q2 2025 to Q2 2026, the score rose 8 points (63 → 71), mostly because the earnings component improved by 25 points.

TellerScore
637484Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202480
Q3 202484
Q4 202471
Q1 202572
Q2 202563
Q3 202572
Q4 202574
Q1 202670
Q2 202671
Net worth ratio
7.00%10.61%14.21%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202413.98%
Q3 202414.21%
Q4 202413.88%
Q1 202513.45%
Q2 202512.83%
Q3 202513.08%
Q4 202512.43%
Q1 202612.27%
Q2 202612.43%
Delinquent loans (60+ days)
0.45%1.11%1.77%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.71%
Q3 20240.45%
Q4 20241.77%
Q1 20250.72%
Q2 20251.64%
Q3 20251.26%
Q4 20250.82%
Q1 20260.96%
Q2 20261.19%
Return on assets
-0.15%0.32%0.78%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.72%
Q3 20240.78%
Q4 20240.72%
Q1 2025-0.15%
Q2 20250.09%
Q3 20250.67%
Q4 20250.67%
Q1 20260.33%
Q2 20260.69%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202671$71.2M12.43%1.19%0.69%53.6%
Q1 202670$70.6M12.27%0.96%0.33%53.0%
Q4 202574$69.3M12.43%0.82%0.67%51.9%
Q3 202572$64.9M13.08%1.26%0.67%53.9%
Q2 202563$63.7M12.83%1.64%0.09%52.4%
Q1 202572$60.4M13.45%0.72%-0.15%53.6%
Q4 202471$58.7M13.88%1.77%0.72%55.1%
Q3 202484$56.7M14.21%0.45%0.78%56.3%
Q2 202480$56.7M13.98%0.71%0.72%54.9%

2,479 peers · Under $100 million in assets

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 ratio12.43%
35th
Problem loans1.19%
34th
Net charge-offs0.05%
62nd
Return on assets0.69%
53rd
Loans to deposits53.6%
58th
Uninsured deposits5.8%
17th
Loan-loss reserves0.00%
37th
Texas ratio4.5%
32nd

Similar-size credit unions in Mississippi

InstitutionScoreAssetsCapitalProblem loansCompare
Eagle Express Federal Credit UnionCredit union Jackson, MS73 out of 100, Strong$66.8M20.3%1.13%vs
Jackson Area Federal Credit UnionCredit union Jackson, MS38 out of 100, Low$60.9M-145.4%1.49%vs
1st Mississippi Federal Credit UnionCredit union Meridian, MS79 out of 100, Strong$82.8M28.5%0.79%vs
Ferguson Federal Credit UnionCredit union Monticello, MS33 out of 100, Low$94.2M9.6%3.79%vs
Mississippi National Guard Federal Credit UnionCredit union Jackson, MS58 out of 100, Moderate$43.5M8.8%1.53%vs
Brightview Federal Credit UnionCredit union Ridgeland, MS78 out of 100, Strong$37.6M16.3%0.75%vs

Deposit insurance

Is my money safe at Meridian Mutual Federal Credit Union?

Yes. Meridian Mutual Federal Credit Union is a federally insured credit union (NCUA charter #8433). 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 5.8% of shares and deposits ($3.7M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 12.43%, 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

Meridian Mutual Federal Credit Union lists 3 offices in 2 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Meridian Mutual Federal Credit Union
Type
Federal credit union
NCUA charter #
8433
RSSD ID
471383
Primary regulator
NCUA
Established
1953
Headquarters
PO Box 310, Meridian, MS 39302
Employees
23

Quick answers

Meridian Mutual Federal Credit Union: common questions

Is Meridian Mutual Federal Credit Union NCUA insured?

Yes. Meridian Mutual Federal Credit Union is a federally insured credit union (NCUA charter #8433). 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 Meridian Mutual Federal Credit Union's TellerScore?

71 out of 100 (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 Meridian Mutual Federal Credit Union have?

3 offices as of the latest NCUA data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Meridian

InstitutionScoreAssetsCapitalProblem loansCompare
Meridian Postal Federal Credit UnionCredit union Meridian, MS86 out of 100, Very strong$4.4M23.0%0.00%vs
1st Mississippi Federal Credit UnionCredit union Meridian, MS79 out of 100, Strong$82.8M28.5%0.79%vs
Meridian Mississippi Ang Federal Credit UnionCredit union Meridian, MS78 out of 100, Strong$31.3M14.6%1.57%vs
West Alabama Bank & TrustBank Reform, AL77 out of 100, Strong$929.0M12.2%0.44%vs
Naheola Credit UnionCredit union Pennington, AL74 out of 100, Strong$219.6M18.0%1.97%vs
The Commercial BankBank De Kalb, MS72 out of 100, Strong$295.5M10.6%0.25%vs