Side-by-side · Q2 2026 data
Somerville Bank vs Middletown Area Schools Credit Union
Credit union
Middletown Area Schools Credit Union
Middletown, Ohio · Under $100 million in assets
Metric by metric
| Measure | Somerville Bank | Middletown Area Schools Credit Union |
|---|---|---|
| TellerScore | 60 | 84 (stronger) |
| Capital cushion | 45 | 100 (stronger) |
| Loan quality | 63 | 64 (stronger) |
| Earnings | 50 | 74 (stronger) |
| Funding & liquidity | 84 | 93 (stronger) |
| Problem-loan coverage | 83 | 92 (stronger) |
| Peer percentile | 19th | 75th |
| Total assets | $290.6M | $11.3M |
| Deposits / shares | $260.7M | $9.6M |
| Capital ratio | 9.54% | 15.20% (stronger) |
| Problem loans | 1.10% | 1.09% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.13% |
| Return on assets | 0.74% | 1.35% (stronger) |
| Loans ÷ deposits | 75.9% | 67.3% (stronger) |
| Uninsured deposits | 11.0% | 3.8% (stronger) |
| Offices | 8 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.0% | — |
Middletown Area Schools Credit Union has the higher TellerScore (84 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Somerville Bank leads on 1 and Middletown Area Schools Credit Union on 6. 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.