Side-by-side · Q2 2026 data
Firefighters & Company Federal Credit Union vs Middletown Area Schools Credit Union
Credit union
Firefighters & Company Federal Credit Union
Dayton, Ohio · $100 million – $1 billion
Credit union
Middletown Area Schools Credit Union
Middletown, Ohio · Under $100 million in assets
Metric by metric
| Measure | Firefighters & Company Federal Credit Union | Middletown Area Schools Credit Union |
|---|---|---|
| TellerScore | 57 | 84 (stronger) |
| Capital cushion | 45 | 100 (stronger) |
| Loan quality | 59 | 64 (stronger) |
| Earnings | 45 | 74 (stronger) |
| Funding & liquidity | 82 | 93 (stronger) |
| Problem-loan coverage | 79 | 92 (stronger) |
| Peer percentile | 14th | 75th |
| Total assets | $129.4M | $11.3M |
| Deposits / shares | $111.3M | $9.6M |
| Capital ratio | 9.51% | 15.20% (stronger) |
| Problem loans | 1.24% | 1.09% (stronger) |
| Net charge-offs | 0.71% | 0.13% (stronger) |
| Return on assets | 0.61% | 1.35% (stronger) |
| Loans ÷ deposits | 78.7% | 67.3% (stronger) |
| Uninsured deposits | 4.5% | 3.8% (stronger) |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Middletown Area Schools Credit Union has the higher TellerScore (84 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Firefighters & Company Federal Credit Union leads on 0 and Middletown Area Schools Credit Union on 7. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.