PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Middletown Area Schools

Middletown, OH · Charter 62877

NCUA · 2 branches

Q2 2026

$11.3MAssets
$6.4MLoans
$9.6MShares
$1.7MNet 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 1.35%, up 26 bps year over year; NIM at 4.50%.
  • Asset quality: problem loans at 1.09% of loans (+17 bps YoY).
  • Capital: net worth / assets of 15.21%, up 114 bps from a year ago.
  • Funding: loans stand at 67.25% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.35%+26 bps YoY

Net Interest Margin (YTD, annualized)

4.50%+4 bps YoY

Efficiency Ratio (YTD, annualized)

71.77%-728 bps YoY

Net Worth / Assets

15.21%+114 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.08%1.20%1.46%1.73%1.35%+26 bps
Return on Equity7.70%8.25%9.74%11.31%8.86%+116 bps
Net Interest Margin4.46%4.65%4.79%4.56%4.50%+4 bps
Efficiency Ratio79.05%76.52%72.89%64.82%71.77%-728 bps
Growth
Asset Growth (YoY)5.35%6.91%5.96%0.79%3.89%-145 bps
Loan Growth (YoY)18.82%32.89%25.58%21.78%7.07%-1,175 bps
Share Growth (YoY)5.03%6.48%5.41%-0.97%2.46%-257 bps
Asset Quality
Delinquent Loans / Loans0.92%0.37%0.49%0.69%1.09%+17 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 Capital14.07%14.60%15.03%15.27%15.21%+114 bps
Net Worth / Assets14.07%14.60%15.03%15.27%15.21%+114 bps
Liquidity & Funding
Loans / Shares64.36%72.74%74.09%72.39%67.25%+289 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps