Overview / Commentary
4500 Southwestern Blvd
Hamburg, NY 14075

Meridia Community Credit Union is headquartered in Hamburg and is the 93rd largest credit union in the state of New York. It is also the 1,887th largest credit union in the nation. It was established in 1955 and as of September of 2018, it had grown to 19 employees and 8,010 members at 3 locations. Meridia Community Credit Union has an A health rating.

Field of Membership Restrictions

Membership to Meridia Community Credit Union is offered to those who work, worship, attend school or live in several Western New York and Erie County communities.
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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Meridia Community Credit Union has a relatively low asset base.

Health Grade Components

NCUA #10684
Year Chartered1955
Primary Regulator
Profit Margin
Return on Assets - YTD1.1%
Return on Equity - YTD9.18%
Annual Interest Income$1.9MM
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$75.3MM$70.7MM
LoansQ3 2018vs Q3 2017$61.9MM$58.2MM
DepositsQ3 2018vs Q3 2017$64.9MM$61.3MM
Equity CapitalQ3 2018vs Q3 2017$9.0MM$8.2MM
Loan Loss AllowanceQ3 2018vs Q3 2017$233.00K$217.00K
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$69.00K$178.00K
Real Estate OwnedQ3 2018vs Q3 2017$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Meridia Community Credit Union Savings Account Rates

0.75%*$50k*-Individual Retirement Accounts
OTHER TIERS: 0.65% $100 - $50k
0.65%*-$2.5kYouth Savings Account
OTHER TIERS: 0.10% $2.5k+
0.10%$100-Regular Shares
0.10%$100-Club Accounts
0.10%$100-U-Name-It Shares

Meridia Community Credit Union Money Market Rates

0.45%*$75k*-Money Market Account
OTHER TIERS: 0.30% $2.5k - $25k | 0.35% $25k - $50k | 0.40% $50k - $75k

Meridia Community Credit Union Checking Account Rates

0.20%$10k-Checking Plus

Meridia Community Credit Union CD Rates

1.56%$500-60 Month CD
1.31%$500-48 Month CD
0.95%$500-36 Month CD
0.65%$500-24 Month CD
0.55%$500-18 Month CD
0.45%$500-12 Month CD
0.25%$500-6 Month CD

Meridia Community Credit Union IRA Rates

0.75%$2.5k-18 Month IRA Term Share Accounts
0.70%$2.5k-12 Month IRA Term Share Accounts

Meridia Community Credit Union Locations
Branch Office277 Buffalo StHamburg, NY 14075
Branch Office4500 Southwestern BlvdHamburg, NY 14075
Branch Office8252 N Main StEden, NY 14057

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