The Common Data Set phrases the question about average percentage of need met very carefully:
"On average, the percentage of need that was met of students who were awarded any need-based aid. Exclude any aid that was awarded in excess of need as well as any resources that were awarded to replace EFC (PLUS loans, unsubsidized loans and private alternative loans)"
To me, this suggests that when colleges say they meet 100% of need, they aren't supposed to include parent loans or unsubsidized student loans.
If your college doesn't publish the Common Data Set, you can find a summary of its data, including the avg. percentage of need met, in the college's profile at the College Board site (type the college name into Quickfinder and then click on the Costs and Financial Aid tab).