Middletown Area Schools

Middletown, OH · 2 · Charter #62877 · www.mascu.com
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$10.8M
43th percentile
Members
1,009
37th percentile
Total loans
$6.8M
53th percentile
Total shares
$9.2M
45th percentile

Profitability

Return on assets
1.62%
83th percentile
Net interest margin
4.79%
78th percentile
Efficiency ratio
70.81%
41th percentile
Non-interest income ratio
19.18%
81th percentile

Capital & Risk

Net worth ratio
15.03%
51th percentile
Delinquency rate
0.49%
58th percentile
Net charge-off rate
0.19%
52th percentile
Loan-to-share
74.09%
69th percentile

Growth

Member growth YoY
-0.69%
58th percentile
Asset growth YoY
5.96%
79th percentile
Loan growth YoY
25.58%
97th percentile
Share growth YoY
5.41%
77th percentile

Operations

Members / branch
1,009
47th percentile
Assets / member
$10,707
62th percentile
Field of membership penetration
50.45%
67th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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