Side-by-side · Q2 2026 data
Middletown Area Schools Credit Union vs Code Credit Union
Credit union
Middletown Area Schools Credit Union
Middletown, Ohio · Under $100 million in assets
Metric by metric
| Measure | Middletown Area Schools Credit Union | Code Credit Union |
|---|---|---|
| TellerScore | 84 (stronger) | 71 |
| Capital cushion | 100 (stronger) | 71 |
| Loan quality | 64 | 67 (stronger) |
| Earnings | 74 (stronger) | 49 |
| Funding & liquidity | 93 | 93 |
| Problem-loan coverage | 92 (stronger) | 91 |
| Peer percentile | 75th | 54th |
| Total assets | $11.3M | $175.7M |
| Deposits / shares | $9.6M | $154.0M |
| Capital ratio | 15.20% (stronger) | 12.11% |
| Problem loans | 1.09% | 0.98% (stronger) |
| Net charge-offs | 0.13% (stronger) | 0.42% |
| Return on assets | 1.35% (stronger) | 0.71% |
| Loans ÷ deposits | 67.3% | 66.8% (stronger) |
| Uninsured deposits | 3.8% (stronger) | 4.5% |
| Offices | 2 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 32.6% |
Middletown Area Schools Credit Union has the higher TellerScore (84 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Middletown Area Schools Credit Union leads on 5 and Code Credit Union on 2. 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.