Side-by-side · Q2 2026 data
Sorg Bay West Federal Credit Union vs Middletown Area Schools Credit Union
Credit union
Middletown Area Schools Credit Union
Middletown, Ohio · Under $100 million in assets
Metric by metric
| Measure | Sorg Bay West Federal Credit Union | Middletown Area Schools Credit Union |
|---|---|---|
| TellerScore | 17 | 84 (stronger) |
| Capital cushion | 0 | 100 (stronger) |
| Loan quality | 0 | 64 (stronger) |
| Earnings | 21 | 74 (stronger) |
| Funding & liquidity | 84 | 93 (stronger) |
| Problem-loan coverage | 0 | 92 (stronger) |
| Peer percentile | 0th | 75th |
| Total assets | $11.6M | $11.3M |
| Deposits / shares | $10.9M | $9.6M |
| Capital ratio | 5.00% | 15.20% (stronger) |
| Problem loans | 6.08% | 1.09% (stronger) |
| Net charge-offs | 1.08% | 0.13% (stronger) |
| Return on assets | 0.02% | 1.35% (stronger) |
| Loans ÷ deposits | 76.2% | 67.3% (stronger) |
| Uninsured deposits | 0.0% (stronger) | 3.8% |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Middletown Area Schools Credit Union has the higher TellerScore (84 vs 17). On the 7 directional measures above (where higher or lower is clearly better), Sorg Bay West Federal Credit Union leads on 1 and Middletown Area Schools Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.