TellerScore

Meridian Trust Federal Credit Union (NCUA charter #9160) is based in Cheyenne, Wyoming. Its Q2 2026 call report shows $730.5M in total assets and $627.7M in member shares and deposits and 6 offices across 2 states.

Based on its Q2 2026 filing, Meridian Trust Federal Credit Union scores 74/100, which we describe as strong. That is higher than 63% of 1,341 credit unions with $100 million – $1 billion. Among 18 credit unions headquartered in Wyoming, it ranks 10th. Its strongest component is problem-loan coverage (90/100; 4.8%), and its lowest is earnings (58/100; 0.95%).

TellerScore · Q2 2026

Scorecard

Capital cushion79/100
Net worth ratio: 12.92%
Loan quality73/100
Loans 60+ days delinquent ÷ total loans: 0.82%
Earnings58/100
Return on assets (annualized): 0.95%
Funding & liquidity76/100
Loans ÷ shares: 84.6% · 5.5% uninsured
Problem-loan coverage90/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.79%

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 fell 7 points (81 → 74), mostly because the earnings component weakened by 38 points.

TellerScore
737984Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202474
Q3 202474
Q4 202478
Q1 202584
Q2 202581
Q3 202582
Q4 202578
Q1 202673
Q2 202674
Net worth ratio
7.00%9.96%12.92%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.24%
Q3 202411.61%
Q4 202412.07%
Q1 202512.33%
Q2 202512.42%
Q3 202512.91%
Q4 202512.88%
Q1 202612.78%
Q2 202612.92%
Delinquent loans (60+ days)
0.33%0.57%0.82%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.33%
Q3 20240.68%
Q4 20240.39%
Q1 20250.39%
Q2 20250.72%
Q3 20250.61%
Q4 20250.71%
Q1 20260.64%
Q2 20260.82%
Return on assets
0.64%1.65%2.67%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.07%
Q3 20241.29%
Q4 20241.30%
Q1 20252.67%
Q2 20251.90%
Q3 20251.84%
Q4 20251.41%
Q1 20260.64%
Q2 20260.95%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202674$730.5M12.92%0.82%0.95%84.6%
Q1 202673$727.8M12.78%0.64%0.64%84.8%
Q4 202578$712.9M12.88%0.71%1.41%86.7%
Q3 202582$709.1M12.91%0.61%1.84%87.2%
Q2 202581$712.7M12.42%0.72%1.90%84.6%
Q1 202584$700.9M12.33%0.39%2.67%84.6%
Q4 202478$677.2M12.07%0.39%1.30%86.7%
Q3 202474$685.3M11.61%0.68%1.29%84.3%
Q2 202474$681.4M11.24%0.33%1.07%85.1%

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 ratio12.92%
69th
Problem loans0.82%
41st
Net charge-offs0.29%
59th
Return on assets0.95%
63rd
Loans to deposits84.6%
29th
Uninsured deposits5.5%
54th
Loan-loss reserves0.00%
50th
Texas ratio4.8%
42nd

Similar-size credit unions in Wyoming

InstitutionScoreAssetsCapitalProblem loansCompare
Uniwyo Federal Credit UnionCredit union Laramie, WY83 out of 100, Strong$825.6M12.6%0.70%vs
Trona Valley Community Federal Credit UnionCredit union Green River, WY83 out of 100, Strong$470.1M14.2%0.75%vs
Wyhy Federal Credit UnionCredit union Cheyenne, WY47 out of 100, Below average$409.0M13.4%4.42%vs
Western Vista Federal Credit UnionCredit union Cheyenne, WY62 out of 100, Moderate$280.8M9.3%0.68%vs
Campco Federal Credit UnionCredit union Gillette, WY77 out of 100, Strong$227.6M11.5%0.45%vs
Grand Altitude Federal Credit UnionCredit union Lander, WY85 out of 100, Very strong$222.3M13.8%0.23%vs

Deposit insurance

Is my money safe at Meridian Trust Federal Credit Union?

Yes. Meridian Trust Federal Credit Union is a federally insured credit union (NCUA charter #9160). 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 5.5% of shares and deposits ($34.5M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 12.92%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

6 locations

Branches

Meridian Trust Federal Credit Union lists 6 offices in 4 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Meridian Trust Federal Credit Union reported 686 home-loan applications under HMDA (LEI 5493007KYI3BO5LTXF79): 404 originated ($54,930,000 total), 122 denied, and 152 withdrawn or closed by the applicant. Its denial rate on decided applications was 22.8%, 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.

CFPB TCCP survey · December 31, 2025

Credit card terms

CardPurchase APRAnnual feeLate feeForeign fee
VISA REWARDS12.00%$0$251.0%

All Meridian Trust Federal Credit Union card terms

Identity & history

Profile

Legal name
Meridian Trust Federal Credit Union
Type
Federal credit union
NCUA charter #
9160
RSSD ID
117083
Primary regulator
NCUA
Established
1954
Headquarters
4349 E Lincolnway, Cheyenne, WY 82001
Employees
134

Quick answers

Meridian Trust Federal Credit Union: common questions

Is Meridian Trust Federal Credit Union NCUA insured?

Yes. Meridian Trust Federal Credit Union is a federally insured credit union (NCUA charter #9160). 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 Trust Federal Credit Union's TellerScore?

74 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 Trust Federal Credit Union have?

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

Nearby

Highest-scoring banks and credit unions with branches near Cheyenne

InstitutionScoreAssetsCapitalProblem loansCompare
Cheyenne-Laramie County Employees Federal Credit UnionCredit union Cheyenne, WY85 out of 100, Very strong$31.9M15.4%1.44%vs
Hilltop National BankBank Casper, WY84 out of 100, Strong$1.1B11.9%0.28%vs
First National BankBank Fort Pierre, SD84 out of 100, Strong$2.0B21.9%0.69%vs
Central Bank and TrustBank Lander, WY78 out of 100, Strong$202.5M8.6%0.00%vs
Pinnacle Bank - WyomingBank Cody, WY77 out of 100, Strong$1.3B10.7%0.26%vs
First Education Federal Credit UnionCredit union Cheyenne, WY77 out of 100, Strong$87.2M10.3%0.20%vs