MIDDLETOWN AREA SCHOOLS
Charter #62877 · Middletown, OH · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 1,003 sits at the 5th percentile of structural peers — worth a closer look.
- Return on average assets of 1.74% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.17% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.08% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 64.82% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | MIDDLETOWN AREA SCHOOLS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $10.94M | 4th pct | 16th pct |
| Members | 1,003 | 5th pct | 5th pct |
| Net worth ratio | 15.25% | 61th pct | 61th pct |
| Return on average assets | 1.74% | 90th pct | 85th pct |
| Net interest margin | 4.59% | 81th pct | 57th pct |
| Cost of funds | 0.17% | 12th pct | 8th pct |
| Loan-to-share | 72.39% | 73th pct | 52th pct |
| Delinquency 60+ days | 0.69% | 55th pct | 62th pct |
| Net charge-off ratio | -0.08% | 11th pct | 15th pct |
| Loan growth YoY | 0.48% | 74th pct | 70th pct |
| Share growth YoY | 0.96% | 35th pct | 34th pct |
| Efficiency ratio | 64.82% | 17th pct | 15th pct |
structural peer set hash: aa53ff764cc8dcf7b26af92a042f67c8… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.