Middletown Area Schools
Middletown, OH · Charter 62877 · Peer group: credit unions under $1B in assets in the Cincinnati, OH-KY-IN area (n=26)
NCUA · 2 branches
Q2 2026
$11.3MAssets
$6.4MLoans
$9.6MShares
$1.7MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 81% of credit unions under $1B in assets in the Cincinnati, OH-KY-IN area (rank 5 of 26).
- Widest gap: nonperforming loans / loans trails 50% of credit unions under $1B in assets in the Cincinnati, OH-KY-IN area (rank 14 of 26).
- Overall: at or above the peer median on 7 of 7 directional measures.
Return on Assets
1.34%
Rank 7 of 26
Net Interest Margin
4.51%
Rank 9 of 26
Efficiency Ratio
71.52%
Rank 7 of 26
Equity / Assets
15.21%
Rank 8 of 26
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.34% | 0.41% | 0.79% | 1.34% | Beats 73% | 7 / 26 | | |
| Return on Equity | 8.84% | 3.53% | 6.04% | 8.49% | Beats 81% | 5 / 26 | | |
| Net Interest Margin | 4.51% | 3.25% | 4.11% | 4.64% | Beats 65% | 9 / 26 | | |
| Efficiency Ratio | 71.52% | 71.52% | 75.99% | 84.12% | Beats 77% | 7 / 26 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.09% | 0.40% | 1.09% | 2.09% | Beats 50% | 14 / 26 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 15.21% | 10.31% | 12.73% | 15.29% | Beats 69% | 8 / 26 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 15.21% | 10.31% | 12.73% | 15.29% | Beats 69% | 8 / 26 | | |
| Liquidity & Funding |
| Loans / Deposits | 67.25% | 51.92% | 65.22% | 76.21% | 62nd pctl | 10 / 26 | | |
| Loans / Assets | 57.00% | 44.32% | 54.77% | 68.75% | 58th pctl | 11 / 26 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |