State credit union · Middletown, Ohio · NCUA charter #62877
Middletown Area Schools
Health score 93/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $10.8M
- Total assets
- 1,009
- Members
- 14.9%
- Net-worth ratio
Middletown Area Schools - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #62877: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Middletown Area Schools - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth52
- Liquidity (loan-to-share)100
Weighted composite: 93/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 14.91% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 14.91% | 30% |
| Delinquency Rate | 0.49% | 25% |
| Return on Assets | 1.93% | 15% |
| Member Growth | -0.69% | 15% |
| Loan-to-Share Ratio | 74.09% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $10.8M | 1,009 |
| 2024Q4 | $10.2M | 1,016 |
| 2023Q4 | $9.8M | 1,004 |
Credit Union Details
- Charter Number
- 62877
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Ohio
- City
- Middletown
- Data Quarter
- 2025Q4
What This Data Says About Middletown Area Schools
1,009 members and $10.8M in total assets sit behind Middletown Area Schools, a state credit union in Middletown, Ohio, which posts a health score of 93/100 (Excellent) on the five-factor composite, with $6.8M in outstanding loans as of Q4 2025 and a net worth ratio of 14.91% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #62877 in peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
Two more numbers round out the picture: a 0.49% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers - and a 74.09% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 1.93% on net income of $209K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -0.69%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Other) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
Nearby Credit Unions in Ohio
A look at other Ohio credit unions, ranked by how closely their peer group and asset size match this one.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Middletown Area Schools financially healthy?
Middletown Area Schools has a financial health score of 93/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 14.91% and delinquency rate of 0.49%.
How does Middletown Area Schools compare to other credit unions?
93/100 is Middletown Area Schools's score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 15%.
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Middletown Area Schools?
Membership eligibility for Middletown Area Schools depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Middletown Area Schools directly for current membership requirements and application steps.
Is my money safe at Middletown Area Schools?
Federal credit unions like Middletown Area Schools are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Middletown Area Schools's net worth ratio of 14.91% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Middletown Area Schools offer compared to banks?
Credit unions like Middletown Area Schools are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Middletown Area Schools directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.