Question: Meridian Bank is a soon-to-be federally chartered bank in Canada, owned and operated by Meridian Credit Union Ltd., Meridian Bank is a soon-to-be federally chartered bank in Canada, owned and operated by Meridian Credit Union Ltd., a Canadian credit union, was formed on which date?
Context: Randolph-Brooks Federal Credit Union (RBFCU) is a credit union headquartered in Live Oak, Texas, chartered and regulated under the authority of the National Credit Union Administration.  RBFCU serves more than 500,000 members from a network of full-service branch locations in Texas, and has more than $6 billion in assets as of July 2014.  It is one of the largest credit unions in the United States; as of the end of 2013, it was the second largest credit union in Texas, and the 14th largest federally chartered "natural person" credit union and 15th largest federally insured "natural person" credit union, based on total assets. Call Federal Credit Union is a federally insured, not-for-profit financial cooperative headquartered in Richmond, Virginia.  It is regulated under the authority of the National Credit Union Administration (NCUA) of the U.S. federal government.  Call Federal Credit Union is the second-largest Richmond-based credit union.  As of December 31, 2011, Call Federal Credit Union had $350 million USD in assets and 31,000 members.  In accordance with the Federal Credit Union Act of 1934, Call Federal Credit Union is a tax-exempt, federally chartered, federally insured, not-for-profit financial cooperative.  Call Federal Credit Union accounts are insured up to $250,000 through the NCUA, which is comparable to the insurance provided to accounts at traditional banks via the Federal Deposit Insurance Corporation. Technicolor Federal Credit Union (or Technicolor FCU) is a federally chartered multiple common-bond credit union – a cooperative financial institution that is owned and controlled by its members and operated for the purpose of offering lower rates on loans, lower fees on services and higher returns on savings.  Headquartered in Burbank, California, Technicolor Federal Credit Union is regulated under the authority of the National Credit Union Administration (NCUA), an agency of the U.S. federal government.  This credit union is federally insured by the National Credit Union Administration (NCUA). Meridian Bank is a soon-to-be federally chartered bank in Canada, owned and operated by Meridian Credit Union.  This was announced after the credit union purchased Roynat's auto lease business from Scotiabank. Mountain America Credit Union is a federally chartered credit union headquartered in West Jordan, Utah, regulated under the authority of the National Credit Union Administration (NCUA).  Mountain America Credit Union is the second largest credit union in Utah.  It is also the 12th largest credit union nationally by membership and the 24th largest by total assets.  As of March 2015, Mountain America had $4.479 billion in assets, 522,661 members, native 82 branches, and more than 5,000 shared branch locations available. Redstone Federal Credit Union (or RFCU) is a federally chartered credit union based in Huntsville, Alabama.  RFCU is Alabama’s largest credit union and is regulated and insured through the National Credit Union Administration (NCUA).  RFCU operates 24 branches across North Alabama and Central Tennessee.  RFCU has over 400,000 members and $4.4 billion USD in assets.  RFCU is ranked the 21st largest federal credit union in the United States by assets and the 36th largest credit union in the United States by assets and 17th by membership as of June 2015. Meridian Credit Union Ltd. is a Canadian credit union.  It was formed April 1, 2005, following the merger of Niagara Credit Union and HEPCOE Credit Union.  It is insured by the Deposit Insurance Corporation of Ontario. Reach Federal Credit Union (formerly Tyco Federal Credit Union) is a federally chartered credit union for employees of Tyco International, TE Connectivity and Covidien.  Reach Federal Credit Union (Reach CU(TM)) is federally insured and regulated by the National Credit Union Administration (NCUA).  Reach Credit Union is headquartered in Menlo Park, California with offices in NC, PA and FL.  Like all credit unions, Reach Credit Union is governed by a board of volunteers, elected by and from its membership. Nusenda Credit Union is a federally chartered credit union headquartered in Albuquerque, New Mexico and regulated under the authority of the National Credit Union Administration (NCUA).  Nusenda Credit Union is the largest credit union by membership in New Mexico.  As of 2015, Nusenda Credit Union had more than $1.5 billion in assets, more than 150,000 members, and 16 branches from Taos to Socorro. Credit union service organizations (CUSOs) are corporate entities owned by federally chartered or federally insured, state chartered credit unions.  Under United States federal law and the National Credit Union Administration regulations Part 712, federal credit unions may make an investment in or a loan to a CUSO.  Aggregate investments in CUSOs by federal credit unions may not exceed 1% of paid in and unimpaired capital, and aggregate loans to CUSOs may not exceed 1% of paid in and unimpaired capital.  (State chartered credit unions will follow state law and in some instances these limitations may be different.)  Every CUSO must be subject to a legal opinion to ensure the proposed structure is permissible and does not engage in unauthorized activities, and to ensure that potential liabilities are limited to the funds invested or loaned to it.  Furthermore, every CUSO must explicitly allow the National Credit Union Administration the right to review its books and records, which must be maintained according to GAAP.  One of the top affiliations of CUSOs is the National Association of Credit Union Service Organizations.  NACUSO (www.nacuso.org) is a membership based advocacy organization that provide members a shared collaborative platform to work together on innovation and improving the success of CUSOs and their credit unions.
Answer: April 1, 2005