State credit union · Middletown, Ohio · NCUA charter #62877
Middletown Area Schools
Health score 93/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $10.8M
- Total assets
- 1,009
- Members
- 15.3%
- Net-worth ratio
Middletown Area Schools scores 93/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $10.8M; members 1,009; net-worth ratio 15.25%; health rank #591 of 4,374; healthier than 84th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#591 of 4,374 health · 2025Q4Middletown Area Schools · health 93/100 · $10.8M · 2025Q4
Call Report peers
Middletown Area Schools in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Middletown Area Schools vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Middletown Area Schools sits in 90-94 with 747 others.
93 Top 16% higher than 84% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Middletown Area Schools vs $10M–$50M peers
- Largest favorable gap: Loan-to-Share Ratio at 74.09% vs peer 59.80% (+14.29 pp).
Ohio standing for Middletown Area Schools
- Ohio health ordinal: #21 of 196.
- By total assets, Middletown Area Schools is #166 of 196 in Ohio.
- Membership ranks #168 of 196 among Ohio CUs with a reported count (1,009 members).
- One place up in Ohio, Members Choice (#20) ties at 93/100; one place down, DESCO (#22) ties at 93/100.
Middletown Area Schools: 2025Q4 → 2026Q1
Middletown Area Schools: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.3% from $10.8M (2025Q4) to $10.9M (2026Q1).
- Net-worth ratio shifted +0.24 pp (15.01% → 15.25%).
This credit union's 15.25% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 93/100 score is built
Middletown Area Schools gives up 7 points in total. Member Growth costs the most, 7.2 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 7.8 pts
- Loan-to-Share Ratio 15.2 pts
Call Report ratios for Middletown Area Schools
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.25% | +0.39 pp |
| Delinquency Rate | 0.49% | -0.66 pp |
| Return on Assets | 1.93% | +1.23 pp |
| Member Growth | -0.69% | - |
| Loan-to-Share Ratio | 74.09% | +14.29 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $10.9M | - |
| 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
Branch Locations (2)
Per its most recent NCUA branch filing, Middletown Area Schools runs 2 offices in 2 different cities across 2 states.
| Office | City |
|---|---|
| Main Office (Main Office) | Middletown, OH |
| AMI, Inc | Mount Pleasant, WI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
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.
Nationwide credit unions with similar profiles
Similar total assets
Similar health score
Using this data
- Middletown Area Schools ranks #591 of 4,374 nationally on financial health and #21 of 196 in OH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Morrow County is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Morrow County
Frequently Asked Questions
Is Middletown Area Schools financially healthy?
Middletown Area Schools has a financial health score of 93/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #591 of 4,374 nationally on health and #21 of 196 in Ohio. Its net worth ratio is 15.25% and its delinquency rate 0.49%.
How does Middletown Area Schools compare to other credit unions?
Middletown Area Schools scores 93/100, higher than 84% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (74.09% vs 59.80%).
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?
Middletown Area Schools is a state-chartered credit union; its shares are federally 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 15.25% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.