Federal credit union · Middletown, Ohio · NCUA charter #96755
MYUSA
Health score 83/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $337.8M
- Total assets
- 18,429
- Members
- 14.0%
- Net-worth ratio
MYUSA scores 83/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $337.8M; members 18,429; net-worth ratio 13.95%; health rank #2,254 of 4,374; healthier than 46th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#2,254 of 4,374 health · 2025Q4MYUSA · health 83/100 · $337.8M · 2025Q4
Call Report peers
MYUSA in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
MYUSA vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); MYUSA sits in 80-84 with 767 others.
83 46th percentile higher than 46% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Where MYUSA diverges from peer averages
- Strongest edge vs 1069 $100M–$500M peers is Net Worth Ratio: +1.84 pp (13.95% vs 12.11%).
- Largest lag: Loan-to-Share Ratio at 60.71% vs peer 72.20% (-11.49 pp).
MYUSA: in-state Call Report ranks
- In Ohio, health place is #98 of 196 on the same NCUA-ratio sort used nationally.
- By total assets, MYUSA is #31 of 196 in Ohio.
- Ohio membership ordinal: #39 of 196.
- One place up in Ohio, Cleveland Selfreliance (#97) ties at 83/100; one place down, HARVEST (#99) ties at 83/100.
MYUSA: 2025Q4 → 2026Q1
MYUSA: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +5.3% from $337.8M (2025Q4) to $355.9M (2026Q1).
- Net-worth ratio shifted -0.55 pp (14.50% → 13.95%).
At 13.95%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 83/100 score is built
MYUSA gives up 17 points in total. Member Growth costs the most, 11.9 of its 15; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.6 pts
- Return on Assets 12.4 pts
- Member Growth 3.1 pts
- Loan-to-Share Ratio 12.9 pts
Call Report ratios for MYUSA
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.95% | +1.84 pp |
| Delinquency Rate | 0.54% | -0.35 pp |
| Return on Assets | 0.33% | -0.29 pp |
| Member Growth | -3.25% | - |
| Loan-to-Share Ratio | 60.71% | -11.49 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $355.9M | - |
| 2025Q4 | $337.8M | 18,429 |
| 2024Q4 | $330.0M | 19,049 |
| 2023Q4 | $312.9M | 19,262 |
Credit Union Details
- Charter Number
- 96755
- Type
- Federal
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Ohio
- City
- Middletown
- Data Quarter
- 2025Q4
Branch Locations (8)
MYUSA operates 8 offices across 6 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Plaza (Main Office) | Middletown, OH |
| Kettering | Kettering, OH |
| Reynolds and Reynolds | Kettering, OH |
| Crawford | Middletown, OH |
| Moraine | Moraine, OH |
| Springfield | Springfield, OH |
| Trenton | Trenton, OH |
| Vandalia | Vandalia, OH |
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
Using this data
- MYUSA ranks #2,254 of 4,374 nationally on financial health and #98 of 196 in OH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Pse Credit Union, Inc. is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Pse Credit Union, Inc.
Frequently Asked Questions
Is MYUSA financially healthy?
On its 2025Q4 NCUA 5300 filing, MYUSA scores 83/100 (Excellent), with a 13.95% net worth ratio and 0.54% of loans delinquent. It ranks #2,254 of 4,374 nationally on health and #98 of 196 in Ohio.
How does MYUSA compare to other credit unions?
MYUSA scores 83/100, higher than 46% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is net worth ratio (13.95% vs 12.11%). Its widest shortfall is loan-to-share ratio (60.71% vs 72.20%).
How can I join MYUSA?
Membership eligibility for MYUSA depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact MYUSA directly for current membership requirements and application steps.
Is my money safe at MYUSA?
MYUSA is a federal 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. MYUSA's net worth ratio of 13.95% 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.