Credit Union Safety Analysis
Is Meriwest Credit Union Safe? San Jose, California
Based on its Q2 2026 NCUA 5300 call report, Meriwest Credit Union has a net worth ratio of 9.12%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.81%, and its shares are NCUA insured up to $250,000 per member.
BankRegReports is independent of Meriwest Credit Union and never asks for online banking logins or passwords.
Short answer
On its Q2 2026 NCUA 5300 call report, Meriwest Credit Union's net worth ratio is 9.12%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 9.12%
- Delinquency ratio (60+ days) (Q2 2026): 0.81%
- Return on assets (Q2 2026): 0.19%
- Loan-to-share ratio (Q2 2026): 93.35%
Meriwest Credit Union (NCUA charter 68394, established 1961) reported $2.11B in assets and 75,484 members for Q2 2026 from San Jose, California. It ranks 35 of 238 credit unions in California by total assets. Total assets grew 0.4% from $2.10B on June 30, 2025. It has 1,839 fewer members than on June 30, 2025 (-2.4%). Its net worth ratio was down 0.19 percentage points from 9.31% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $1.06B of $1.58B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.81% is above the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 454 credit unions with $1B to $10B in assets: 10.89%; middle half of peers: 9.81% to 12.63%.
Earlier filings: 8.86% for Q1 2026; 9.31% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.68%; middle half of peers: 0.45% to 1.05%.
Earlier filings: 1.02% for Q1 2026; 1.05% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.89%; middle half of peers: 0.59% to 1.25%.
Earlier filings: 0.03% for Q1 2026; 0.06% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 88.03%; middle half of peers: 78.23% to 95.19%.
Earlier filings: 89.83% for Q1 2026; 98.08% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $1.06B
- Commercial loans: $268.0M
- Other secured non-real estate loans and lines of credit: $96.6M
- Used vehicle loans: $88.9M
- New vehicle loans: $41.9M
- Other unsecured loans and lines of credit: $25.3M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $2.11B | 9.12% | 0.81% | 0.19% | 93.35% |
| March 31, 2026 | $2.16B | 8.86% | 1.02% | 0.03% | 89.83% |
| December 31, 2025 | $2.14B | 8.94% | 1.18% | -0.78% | 92.76% |
| September 30, 2025 | $2.13B | 9.18% | 1.13% | 0.04% | 96.31% |
| June 30, 2025 | $2.10B | 9.31% | 1.05% | 0.06% | 98.08% |
| March 31, 2025 | $2.13B | 9.18% | 1.05% | 0.11% | 97.77% |
Add this badge to your website
Free to use. It shows Meriwest Credit Union’s latest filed figures and updates each quarter.
How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Regulator records: NCUA credit union profile (charter 68394) · FFIEC NIC profile (RSSD 537681)
Frequently asked questions
Is Meriwest Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Meriwest Credit Union's net worth ratio is 9.12%, above the 7% NCUA threshold for well capitalized.
Is Meriwest Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Meriwest Credit Union is a federally insured credit union (NCUA charter 68394): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Meriwest Credit Union's key safety ratios?
For Q2 2026, Meriwest Credit Union reports net worth 9.12%, delinquency 0.81%, ROA 0.19%, loan-to-share 93.35%.
What happens to my money if Meriwest Credit Union fails?
For Q2 2026, Meriwest Credit Union held $1.70B in shares and deposits for 75,484 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.