PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Middletown City Employees

Middletown, OH · Charter 11440

NCUA · 1 branch

Q1 2025

$9.7MAssets
$1.7MLoans
$9.2MShares
$476KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -3.70%, down 307 bps year over year; NIM at 4.00%.
  • Asset quality: problem loans at 0.00% of loans (-134 bps YoY).
  • Capital: net worth / assets of 4.92%, down 192 bps from a year ago.
  • Funding: loans stand at 18.92% of shares as of Q1 2025.

Financial Results

Return on Assets (YTD, annualized)

-3.70%-307 bps YoY

Net Interest Margin (YTD, annualized)

4.00%-9 bps YoY

Efficiency Ratio (YTD, annualized)

180.15%+6,642 bps YoY

Net Worth / Assets

4.92%-192 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2024Q2 2024Q3 2024Q4 2024Q1 2025YoY ΔTrend
Earnings
Return on Assets-0.63%-0.55%-2.16%-2.73%-3.70%-307 bps
Return on Equity-9.24%-7.57%-34.34%-46.11%-75.27%-6,603 bps
Net Interest Margin4.08%4.27%4.60%4.57%4.00%-9 bps
Efficiency Ratio113.74%109.36%140.15%140.75%180.15%+6,642 bps
Growth
Asset Growth (YoY)-25.86%-23.76%-21.69%-17.86%-11.64%+1,422 bps
Loan Growth (YoY)-22.05%-25.43%-27.19%-29.49%-28.79%-675 bps
Share Growth (YoY)-25.73%-23.58%-21.97%-17.36%-9.34%+1,639 bps
Asset Quality
Delinquent Loans / Loans1.34%1.05%0.00%0.00%0.00%-134 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital6.84%7.24%6.30%5.91%4.92%-192 bps
Net Worth / Assets6.84%7.24%6.30%5.91%4.92%-192 bps
Liquidity & Funding
Loans / Shares24.09%23.44%23.00%20.81%18.92%-517 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps