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4349 E Lincolnway
Cheyenne, WY 82001

Meridian Trust Credit Union is headquartered in Cheyenne and is the 2nd largest credit union in the state of Wyoming. It is also the 709th largest credit union in the nation. It was established in 1954 and as of December of 2013, it had grown to 74 employees and 21,709 members. Meridian Trust Credit Union's savings rates are 8X the national average, and it has a A health rating.

Field of Membership Restrictions

Must be an employee of the State of Wyoming, any Public School or any School District in Wyoming. Also open to those who live, work, worship or attend school in Cheyenne, Carbon, Fremont, Sweetwater or Uinta County. - See Details

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Data for Q4 2013

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Meridian Trust Credit Union had $1.28 million in non-current loans and owned real-estate with $30.9 million in equity and loan loss allowances on hand to cover it. This gives Meridian Trust Credit Union a Texas Ratio of 4.16% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Meridian Trust Credit Union experienced no significant changes from 2.74% as of December 31, 2012 to 4.16% as of December 31, 2013, resulting in a negative change of 51.95%. This indicates that the balance sheet and financial strength for Meridian Trust Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, Meridian Trust Credit Union has increased its total deposits by $18.52 million, resulting in 7.97% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Meridian Trust Credit Union has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Meridian Trust Credit Union has $283.91 million in assets with $30.9 million in equity, resulting in a capitalization level of 10.88%, which is above average.

Institution Statistics

NCUA #9160
Year Chartered1954
Primary Regulator
Assets and Liabilities
Assets$283.91 million
Loans$162.26 million
Deposits$250.83 million
Equity Capital$29.54 million
Loan Loss Allowance$1.36 million
Unbacked Noncurrent Loans$1.26 million
Real Estate Owned$26,000
Historic Data - December 2012
Assets$263.96 million
Equity Capital$27.90 million
Loan Loss Allowance$1.29 million
Unbacked Noncurrent Loans$1.26 million
Real Estate Owned$437,000
Profit Margin - Quarterly
Net Interest Margin4.54%
Return on Assets0.81%
Return on Equity7.77%
Interest Income$9.19 million

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Meridian Trust Credit Union Savings Account Rates

4.00%-$1kHoliday Club
0.05%$100-Savings (SHARE)
0.05%$100-Health Savings Account

Meridian Trust Credit Union Money Market Rates

0.25%$100k-Money Market Account

Meridian Trust Credit Union Checking Account Rates

3.00%$1k$15kMaxRewards Checking
1.50%$1k$15kMaxRewards Checking
0.05%--MaxRewards Checking

Meridian Trust Credit Union CD Rates

1.60%$500-60 Month Share Certificate
1.40%$500-48 Month Share Certificate
1.10%$500-36 Month Share Certificate
0.95%$500-30 Month Share Certificate
0.90%$500-24 Month Share Certificate
0.60%$500-18 Month Share Certificate
0.50%$500-12 Month Share Certificate
0.25%$500-6 Month Share Certificate
0.15%$500-3 Month Share Certificate

Meridian Trust Credit Union IRA Rates

1.60%$500-60 Month IRA Certificate (Traditional,Roth,CESA,SEP)
1.40%$500-48 Month IRA Certificate (Traditional,Roth,CESA,SEP)
1.10%$500-36 Month IRA Certificate (Traditional,Roth,CESA,SEP)
0.95%$500-30 Month IRA Certificate (Traditional,Roth,CESA,SEP)
0.90%$500-24 Month IRA Certificate (Traditional,Roth,CESA,SEP)
0.60%$500-18 Month IRA Certificate (Traditional,Roth,CESA,SEP)
0.50%$500-12 Month IRA Certificate (Traditional,Roth,CESA,SEP)
0.25%$500-6 Month IRA Certificate (Traditional,Roth,CESA,SEP)
0.15%$500-3 Month IRA Certificate (Traditional,Roth,CESA,SEP)

Meridian Trust Credit Union Locations
Branch Office1817 Mahoney StRawlins, WY 82301-5954
Branch Office873 Main StLander, WY 82520-3037
Branch Office2223 Warren AveCheyenne, WY 82001
Branch Office4349 E LincolnwayCheyenne, WY 82001