Middletown, OH · Charter 11440
NCUA · 1 branch
Q1 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2025, the quarter ended March 31, 2025, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets in the Cincinnati, OH-KY-IN area (n=30). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
0
Asset Quality
100
Profitability
19
Liquidity
0
Efficiency
3
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Middletown, OH · Charter 11440
NCUA · 1 branch
Q1 2025
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.79% | -0.55% | -0.41% | -0.63% | -0.55% | -2.16% | -2.73% | -3.70% | -307 bps | |
| Return on Equity | -14.50% | -9.17% | -6.52% | -9.24% | -7.57% | -34.34% | -46.11% | -75.27% | -6,603 bps | |
| Net Interest Margin | 2.71% | 3.09% | 3.46% | 4.08% | 4.27% | 4.60% | 4.57% | 4.00% | -9 bps | |
| Efficiency Ratio | 94.45% | 95.55% | 96.25% | 113.74% | 109.36% | 140.15% | 140.75% | 180.15% | +6,642 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -12.86% | -18.37% | -23.70% | -25.86% | -23.76% | -21.69% | -17.86% | -11.64% | +1,422 bps | |
| Loan Growth (YoY) | -1.09% | -6.78% | -14.17% | -22.05% | -25.43% | -27.19% | -29.49% | -28.79% | -675 bps | |
| Share Growth (YoY) | -9.49% | -17.25% | -21.47% | -25.73% | -23.58% | -21.97% | -17.36% | -9.34% | +1,639 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.07% | 0.10% | 0.14% | 1.34% | 1.05% | 0.00% | 0.00% | 0.00% | -134 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.92% | 0.98% | 1.06% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 5.42% | 5.98% | 6.33% | 6.84% | 7.24% | 6.30% | 5.91% | 4.92% | -192 bps | |
| Net Worth / Assets | 5.42% | 5.98% | 6.33% | 6.84% | 7.24% | 6.30% | 5.91% | 4.92% | -192 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 24.02% | 24.65% | 24.39% | 24.09% | 23.44% | 23.00% | 20.81% | 18.92% | -517 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Middletown, OH · Charter 11440 · Peer group: credit unions under $1B in assets in the Cincinnati, OH-KY-IN area (n=30)
NCUA · 1 branch
Q1 2025
Return on Assets
-3.72%
Rank 30 of 30
Net Interest Margin
4.01%
Rank 13 of 30
Efficiency Ratio
179.46%
Rank 30 of 30
Equity / Assets
4.92%
Rank 30 of 30
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -3.72% | 0.34% | 0.74% | 1.74% | Beats 0% | 30 / 30 | ||
| Return on Equity | -75.63% | 2.33% | 5.95% | 12.53% | Beats 0% | 30 / 30 | ||
| Net Interest Margin | 4.01% | 3.16% | 3.96% | 4.27% | Beats 57% | 13 / 30 | ||
| Efficiency Ratio | 179.46% | 68.18% | 81.98% | 87.59% | Beats 3% | 30 / 30 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.18% | 0.47% | 0.93% | Beats 100% | 5 / 30 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 4.92% | 9.22% | 11.65% | 13.76% | Beats 0% | 30 / 30 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 4.92% | 9.35% | 11.65% | 13.76% | Beats 0% | 30 / 30 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 18.92% | 49.84% | 62.41% | 76.56% | 3rd pctl | 29 / 30 | ||
| Loans / Assets | 18.01% | 42.26% | 54.37% | 67.89% | 3rd pctl | 29 / 30 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||