Myusa
Middletown, OH · Charter 96755 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 9 branches
Q2 2026
$351.2MAssets
$173.8MLoans
$277.1MShares
$49.9MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 62% of credit unions under $1B in assets (rank 643 of 1683).
- Widest gap: nonperforming loans / loans trails 89% of credit unions under $1B in assets (rank 1495 of 1682).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
0.50%
Rank 1,138 of 1,683
Net Interest Margin
3.53%
Rank 1,097 of 1,683
Efficiency Ratio
81.23%
Rank 993 of 1,682
Equity / Assets
14.20%
Rank 643 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.50% | 0.35% | 0.74% | 1.18% | Beats 32% | 1,138 / 1,683 | | |
| Return on Equity | 3.51% | 2.67% | 5.89% | 8.74% | Beats 32% | 1,150 / 1,681 | | |
| Net Interest Margin | 3.53% | 3.31% | 3.82% | 4.32% | Beats 35% | 1,097 / 1,683 | | |
| Efficiency Ratio | 81.23% | 68.91% | 78.20% | 86.93% | Beats 41% | 993 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.34% | 0.26% | 0.65% | 1.29% | Beats 11% | 1,495 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 14.20% | 10.44% | 12.89% | 16.53% | Beats 62% | 643 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 14.20% | 10.44% | 12.89% | 16.53% | Beats 62% | 643 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 62.72% | 52.61% | 69.38% | 83.50% | 39th pctl | 1,027 / 1,683 | | |
| Loans / Assets | 49.50% | 44.71% | 59.18% | 70.72% | 33rd pctl | 1,136 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |