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Middletown Hospital

Middletown, OH · Charter 63446

NCUA · 3 branches

Q1 2025

$10.8MAssets
$4.9MLoans
$9.5MShares
$1.3MNet Worth

Executive Summary

  • Earnings: ROA of 0.75%, up 16 bps year over year; NIM at 4.26%.
  • Asset quality: problem loans at 0.40% of loans (+6 bps YoY).
  • Capital: net worth / assets of 11.65%, up 113 bps from a year ago.
  • Funding: loans stand at 51.49% of shares as of Q1 2025.

Return on Assets (YTD, annualized)

0.75%+16 bps YoY

Net Interest Margin (YTD, annualized)

4.26%+3 bps YoY

Efficiency Ratio (YTD, annualized)

83.21%+171 bps YoY

Net Worth / Assets

11.65%+113 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2023Q3 2023Q4 2023Q1 2024Q2 2024Q3 2024Q4 2024Q1 2025YoY ΔTrend
Earnings
Return on Assets0.71%0.84%0.85%0.58%0.50%0.70%0.72%0.75%+16 bps
Return on Equity7.39%8.36%7.99%5.54%4.75%6.21%6.48%6.41%+87 bps
Net Interest Margin3.91%4.03%4.20%4.23%4.24%4.38%4.28%4.26%+3 bps
Efficiency Ratio84.15%81.44%82.54%81.51%84.64%82.03%81.59%83.21%+171 bps
Growth
Asset Growth (YoY)-3.34%-5.50%-7.26%-5.46%-1.58%-3.86%1.96%-3.01%+245 bps
Loan Growth (YoY)-6.49%-8.36%-7.42%-7.04%-0.47%2.53%1.72%0.80%+784 bps
Share Growth (YoY)-3.59%-7.33%-9.17%-6.37%-4.51%-4.75%2.05%-3.99%+238 bps
Asset Quality
Delinquent Loans / Loans0.31%0.54%0.47%0.34%1.04%0.48%0.95%0.40%+6 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.67%10.09%10.62%10.53%10.54%11.21%11.16%11.65%+113 bps
Net Worth / Assets9.67%10.09%10.62%10.53%10.54%11.21%11.16%11.65%+113 bps
Liquidity & Funding
Loans / Shares48.79%48.50%51.73%49.04%50.85%52.20%51.57%51.49%+245 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps