BlastPoint's Credit Union Scorecard
MIDDLETOWN AREA SCHOOLS
Charter #62877 · OH
MIDDLETOWN AREA SCHOOLS demonstrates 4 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.85% above tier average
- + Net Interest Margin 0.85% above tier average
- + Loan Growth Rate: Top 2.3% in tier
- + AMR Growth Rate: Top 5.2% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,009
-0.7% YoY-1.8% QoQ
|
-1.6K |
2,615
-1.9% YoY
|
16,819
+5.2% YoY
|
33,374
+5.7% YoY
|
28% |
| Assets |
$10.8M
+6.0% YoY+0.5% QoQ
|
$-19.3M |
$30.1M
+2.1% YoY
|
$253.6M
+9.4% YoY
|
$561.6M
+9.7% YoY
|
34% |
| Loans |
$6.8M
+25.6% YoY+1.8% QoQ
|
$-9.0M |
$15.8M
-1.3% YoY
|
$173.0M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
41% |
| Deposits |
$9.2M
+5.4% YoY-0.1% QoQ
|
$-16.5M |
$25.7M
+1.4% YoY
|
$217.1M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
34% |
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| ROA |
1.5%
-28.9% YoY+22.5% QoQ
|
+0.8% |
0.6%
+10.8% YoY
|
0.4%
-22.9% YoY
|
0.7%
+15.9% YoY
|
83% |
| NIM |
4.8%
-4.2% YoY+3.9% QoQ
|
+0.8% |
4.0%
+4.0% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
81% |
| Efficiency Ratio |
72.9%
+14.6% YoY-4.8% QoQ
|
-9.7% |
82.6%
-2.3% YoY
|
82.6%
+2.4% YoY
|
79.7%
-3.3% YoY
|
33% |
| Delinquency Rate |
0.5%
-38.8% YoY+30.5% QoQ
|
-1.1 |
1.6%
-3.1% YoY
|
1.6%
+33.3% YoY
|
1.3%
-2.1% YoY
|
41% |
| Loan To Share |
74.1%
+19.1% YoY+1.9% QoQ
|
+13.5% |
60.6%
-3.1% YoY
|
63.0%
-2.6% YoY
|
67.4%
-1.7% YoY
|
70% |
| AMR |
$15,829
+13.9% YoY+2.5% QoQ
|
+$1K |
$14,783
-1.4% YoY
|
$17,423
+5.7% YoY
|
$19,687
+2.0% YoY
|
61% |
| CD Concentration |
11.1%
+169.7% YoY+51.1% QoQ
|
-13.3% | 24.4% | 19.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 11.2% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)