Side-by-side · Q2 2026 data
Morrow County Federal Credit Union vs Middletown Area Schools Credit Union
Credit union
Morrow County Federal Credit Union
Mount Gilead, Ohio · Under $100 million in assets
Credit union
Middletown Area Schools Credit Union
Middletown, Ohio · Under $100 million in assets
Metric by metric
| Measure | Morrow County Federal Credit Union | Middletown Area Schools Credit Union |
|---|---|---|
| TellerScore | 65 | 84 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 8 | 64 (stronger) |
| Earnings | 47 | 74 (stronger) |
| Funding & liquidity | 100 (stronger) | 93 |
| Problem-loan coverage | 88 | 92 (stronger) |
| Peer percentile | 30th | 75th |
| Total assets | $12.2M | $11.3M |
| Deposits / shares | $10.3M | $9.6M |
| Capital ratio | 16.23% (stronger) | 15.20% |
| Problem loans | 2.75% | 1.09% (stronger) |
| Net charge-offs | 0.31% | 0.13% (stronger) |
| Return on assets | 0.67% | 1.35% (stronger) |
| Loans ÷ deposits | 43.0% (stronger) | 67.3% |
| Uninsured deposits | 0.0% (stronger) | 3.8% |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Middletown Area Schools Credit Union has the higher TellerScore (84 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Morrow County Federal Credit Union leads on 3 and Middletown Area Schools Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.