Side-by-side · Q2 2026 data
St. James Parish 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 | St. James Parish Credit Union | Middletown Area Schools Credit Union |
|---|---|---|
| TellerScore | 90 (stronger) | 84 |
| Capital cushion | 100 | 100 |
| Loan quality | 100 (stronger) | 64 |
| Earnings | 72 | 74 (stronger) |
| Funding & liquidity | 68 | 93 (stronger) |
| Problem-loan coverage | 100 (stronger) | 92 |
| Peer percentile | 89th | 75th |
| Total assets | $5.9M | $11.3M |
| Deposits / shares | $4.4M | $9.6M |
| Capital ratio | 21.83% (stronger) | 15.20% |
| Problem loans | 0.00% (stronger) | 1.09% |
| Net charge-offs | 0.66% | 0.13% (stronger) |
| Return on assets | 1.29% | 1.35% (stronger) |
| Loans ÷ deposits | 92.4% | 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) | — | — |
St. James Parish Credit Union has the higher TellerScore (90 vs 84). On the 7 directional measures above (where higher or lower is clearly better), St. James Parish Credit Union leads on 4 and Middletown Area Schools Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.