MIDDLETOWN AREA SCHOOLS
Charter #62877 | OH
<100M
(2596 CUs)
Micro
($0-$500M)
121 <100M in OH
MIDDLETOWN AREA SCHOOLS demonstrates 6 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.51% above tier average
- + Net Interest Margin 0.69% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Loan Growth Rate: Top 0.9% in tier
- + AMR Growth Rate: Top 5.4% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,027
+2.4% YoY+0.3% QoQ
|
-1.6K |
2,625
-2.2% YoY
|
16,553
+5.8% YoY
|
33,089
+6.1% YoY
|
29th in tier |
| Assets |
$10.8M
+6.9% YoY-1.2% QoQ
|
$-19.1M |
$29.9M
+1.1% YoY
|
$245.2M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
34th in tier |
| Loans |
$6.7M
+32.9% YoY+11.0% QoQ
|
$-9.1M |
$15.8M
-2.4% YoY
|
$170.6M
+8.7% YoY
|
$388.7M
+8.6% YoY
|
40th in tier |
| Deposits |
$9.2M
+6.5% YoY-1.8% QoQ
|
$-16.3M |
$25.5M
+0.4% YoY
|
$209.1M
+9.7% YoY
|
$464.6M
+9.3% YoY
|
34th in tier |
| ROA |
1.2%
-30.4% YoY+10.4% QoQ
|
+0.5% |
0.7%
-731.4% YoY
|
0.5%
-7.3% YoY
|
0.7%
+273.4% YoY
|
70th in tier |
| NIM |
4.6%
-5.7% YoY+3.4% QoQ
|
+0.7% |
3.9%
+3.8% YoY
|
3.7%
+3.3% YoY
|
3.7%
+5.0% YoY
|
Top 23.0% in tier |
| Efficiency Ratio |
76.5%
+13.7% YoY-3.2% QoQ
|
-4.9% |
81.4%
-2.4% YoY
|
83.9%
+3.6% YoY
|
79.1%
-3.3% YoY
|
45th in tier |
| Delinquency Rate |
0.4%
-64.0% YoY-59.2% QoQ
|
-1.1 |
1.5%
-2.0% YoY
|
1.5%
+29.9% YoY
|
1.2%
-0.9% YoY
|
36th in tier |
| Loan To Share |
72.7%
+24.8% YoY+13.0% QoQ
|
+11.5% |
61.2%
-3.0% YoY
|
63.8%
-2.4% YoY
|
68.0%
-1.7% YoY
|
67th in tier |
| AMR |
$15,441
+13.5% YoY+2.9% QoQ
|
+$814 |
$14,627
-2.7% YoY
|
$17,099
+5.9% YoY
|
$19,418
+1.3% YoY
|
60th in tier |
| CD Concentration |
7.4%
+36.1% YoY+8.1% QoQ
|
-17.0% |
24.4%
+4.2% YoY
|
19.2%
+8.0% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
11.2%
-0.8% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (9 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
25
Loan Growth Rate
growth
Value:
32.89%
Peer Avg: 59.01%
#25 of 2596
Top 0.9% in <100M tier
140
AMR Growth Rate
growth
Value:
13.49%
Peer Avg: 4.67%
#140 of 2596
Top 5.4% in <100M tier
382
Member Growth Rate
growth
Value:
2.39%
Peer Avg: 14.92%
#382 of 2596
Top 14.7% in <100M tier
439
Asset Growth Rate
growth
Value:
6.91%
Peer Avg: 1.82%
#439 of 2596
Top 16.9% in <100M tier
466
Deposit Growth Rate
growth
Value:
6.48%
Peer Avg: 16.80%
#466 of 2596
Top 17.9% in <100M tier
596
Net Interest Margin (NIM)
profitability
Value:
4.62%
Peer Avg: 3.93%
#596 of 2596
Top 22.9% in <100M tier
604
Fee Income Per Member
profitability
Value:
$122.37
Peer Avg: $182.96
#604 of 2596
Top 23.2% in <100M tier
Top Weaknesses (1 metrics)
2167
Members Per Employee (MPE)
engagement
Value:
205.400
Peer Avg: 365.701
#2167 of 2596
Bottom 16.6% in <100M tier