Meridian Trust Credit Union

4349 E Lincolnway
Cheyenne, WY 82001
307.635.7878
www.meridiantrustfcu.org

NCUA

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Meridian Trust Credit Union is headquartered in Cheyenne and is the 2^nd largest credit union in the state of Wyoming. It is also the 731^st largest credit union in the nation. It was established in 1954 and as of December of 2012, it had grown to 65 employees and 20,723 members. Meridian Trust Credit Union has a 5-star health rating.

Meridian Trust FCU RCA (3.07%, $15K) (Forum) - 11/2/2012

Requirements for the MaxRewards checking at this 5-star rated Wyoming institution are tiered: To earn the 3.07% rate, requirements re: $1,000 Minimum monthly balance is in checking account only, not all deposits combined. 10 monthly debit car

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See Rates for: Checking | Savings | Money Market | CD | IRA

Meridian Trust Credit Union Checking Account Rates

	Apy	Min	Max	Product
	3.07%	$1k	$15k	MaxRewards Checking

Meridian Trust Credit Union Savings Account Rates

Apy	Min	Max	Product
4.00%	-	$1k	Holiday Club
0.05%	$100	-	Savings (SHARE)
0.05%	$100	-	Health Savings Account

Meridian Trust Credit Union Money Market Rates

	Apy	Min	Max	Product
	0.25%	$100k	-	Money Market Account

Meridian Trust Credit Union CD Rates

Apy	Min	Max	Product
2.00%	$500	-	60 Month Share Certificate
1.50%	$500	-	48 Month Share Certificate
1.30%	$500	-	36 Month Share Certificate
1.15%	$500	-	30 Month Share Certificate
1.05%	$500	-	24 Month Share Certificate
0.70%	$500	-	18 Month Share Certificate
0.55%	$500	-	12 Month Share Certificate
0.30%	$500	-	6 Month Share Certificate
0.20%	$500	-	3 Month Share Certificate

Meridian Trust Credit Union IRA Rates

Apy	Min	Max	Product
2.00%	$500	-	60 Month IRA Certificate
2.00%	$500	-	60 Month Roth IRA Certificate
2.00%	$500	-	60 Month CESA Certificate
2.00%	$500	-	60 Month SEP IRA Certificate
1.50%	$500	-	48 Month IRA Certificate
1.50%	$500	-	48 Month Roth IRA Certificate
1.50%	$500	-	48 Month CESA Certificate
1.50%	$500	-	48 Month SEP IRA Certificate
1.30%	$500	-	36 Month IRA Certificate
1.30%	$500	-	36 Month Roth IRA Certificate
1.30%	$500	-	36 Month CESA Certificate
1.30%	$500	-	36 Month SEP IRA Certificate
1.15%	$500	-	30 Month IRA Certificate
1.15%	$500	-	30 Month Roth IRA Certificate
1.15%	$500	-	30 Month CESA Certificate
1.15%	$500	-	30 Month SEP IRA Certificate
1.05%	$500	-	24 Month IRA Certificate
1.05%	$500	-	24 Month Roth IRA Certificate
1.05%	$500	-	24 Month CESA Certificate
1.05%	$500	-	24 Month SEP IRA Certificate
0.70%	$500	-	18 Month IRA Certificate
0.70%	$500	-	18 Month Roth IRA Certificate
0.70%	$500	-	18 Month CESA Certificate
0.70%	$500	-	18 Month SEP IRA Certificate
0.55%	$500	-	12 Month IRA Certificate
0.55%	$500	-	12 Month Roth IRA Certificate
0.55%	$500	-	12 Month CESA Certificate
0.55%	$500	-	12 Month SEP IRA Certificate
0.30%	$500	-	6 Month IRA Certificate
0.30%	$500	-	6 Month Roth IRA Certificate
0.30%	$500	-	6 Month CESA Certificate
0.30%	$500	-	6 Month SEP IRA Certificate
0.20%	$500	-	3 Month IRA Certificate
0.20%	$500	-	3 Month Roth IRA Certificate
0.20%	$500	-	3 Month CESA Certificate
0.20%	$500	-	3 Month SEP IRA Certificate

Rates updated: 5/25/2013

Data for Q4 2012

Institution Statistics

MERIDIAN TRUST
NCUA #	9160
BankRate Report	View
Year Chartered	1954
Employees	65
Primary Regulator
Assets and Liabilities
Assets	$263.96 million
Loans	$146.92 million
Deposits	$232.32 million
Equity Capital	$27.90 million
Loan Loss Allowance	$1.29 million
Unbacked Noncurrent Loans	$362,000
Real Estate Owned	$437,000
Historic Data - December 2011
Assets	$247.70 million
Equity Capital	$25.41 million
Loan Loss Allowance	$989,000
Unbacked Noncurrent Loans	$341,000
Real Estate Owned	$186,000
Profit Margin - Quarterly
Net Interest Margin	5.23%
Return on Assets	0.91%
Return on Equity	8.59%
Interest Income	$9.38 million
Non-Interest Income	$2.56 million

Institution Health

Overall Score:

5 out of 5

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, 2012 Meridian Trust Credit Union had $799,000 in non-current loans and owned real-estate with $29.19 million in equity and loan loss allowances on hand to cover it. This gives Meridian Trust Credit Union a Texas Ratio of 2.74% 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 held steady from 2.00% as of December 31, 2011 to 2.74% as of December 31, 2012, resulting in a negative change of 37.10%. This indicates that the balance sheet and financial strength for Meridian Trust Credit Union has held steady in recent periods.
Deposit Growth
In the past year, Meridian Trust Credit Union has increased its total deposits by $12.74 million, resulting in 5.8% 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.
Capitalization
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 $263.96 million in assets with $29.19 million in equity, resulting in a capitalization level of 11.06%, which is above average.