Middletown, OH · Charter 63446
NCUA · 3 branches
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
50
Asset Quality
57
Profitability
58
Liquidity
54
Efficiency
37
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 63446
NCUA · 3 branches
Q1 2025
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.58% | 0.50% | 0.70% | 0.72% | 0.75% | +16 bps | |
| Return on Equity | 5.54% | 4.75% | 6.21% | 6.48% | 6.41% | +87 bps | |
| Net Interest Margin | 4.23% | 4.24% | 4.38% | 4.28% | 4.26% | +3 bps | |
| Efficiency Ratio | 81.51% | 84.64% | 82.03% | 81.59% | 83.21% | +171 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.46% | -1.58% | -3.86% | 1.96% | -3.01% | +245 bps | |
| Loan Growth (YoY) | -7.04% | -0.47% | 2.53% | 1.72% | 0.80% | +784 bps | |
| Share Growth (YoY) | -6.37% | -4.51% | -4.75% | 2.05% | -3.99% | +238 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.34% | 1.04% | 0.48% | 0.95% | 0.40% | +6 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.53% | 10.54% | 11.21% | 11.16% | 11.65% | +113 bps | |
| Net Worth / Assets | 10.53% | 10.54% | 11.21% | 11.16% | 11.65% | +113 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 49.04% | 50.85% | 52.20% | 51.57% | 51.49% | +245 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Middletown, OH · Charter 63446 · Peer group: credit unions under $1B in assets in the Cincinnati, OH-KY-IN area (n=30)
NCUA · 3 branches
Q1 2025
Return on Assets
0.74%
Rank 15 of 30
Net Interest Margin
4.26%
Rank 10 of 30
Efficiency Ratio
82.98%
Rank 20 of 30
Equity / Assets
11.65%
Rank 15 of 30
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.74% | 0.34% | 0.74% | 1.74% | Beats 50% | 15 / 30 | |
| Return on Equity | 6.36% | 2.33% | 5.95% | 12.53% | Beats 57% | 13 / 30 | |
| Net Interest Margin | 4.26% | 3.16% | 3.96% | 4.27% | Beats 67% | 10 / 30 | |
| Efficiency Ratio | 82.98% | 68.18% | 81.98% | 87.59% | Beats 37% | 20 / 30 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.39% | 0.18% | 0.47% | 0.93% | Beats 57% | 14 / 30 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 11.65% | 9.22% | 11.65% | 13.76% | Beats 50% | 15 / 30 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 11.65% | 9.35% | 11.65% | 13.76% | Beats 50% | 15 / 30 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 51.49% | 49.84% | 62.41% | 76.56% | 27th pctl | 22 / 30 | |
| Loans / Assets | 45.20% | 42.26% | 54.37% | 67.89% | 27th pctl | 22 / 30 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||