Middletown City Employees
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
$9.7MAssets
$1.7MLoans
$9.2MShares
$476KNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of credit unions under $1B in assets in the Cincinnati, OH-KY-IN area (rank 5 of 30).
- Widest gap: equity / assets trails 100% of credit unions under $1B in assets in the Cincinnati, OH-KY-IN area (rank 30 of 30).
- Overall: at or above the peer median on 2 of 7 directional measures.
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 |