Side-by-side · Q2 2026 data
The Cincinnatus Savings & Loan Co. vs Middletown Area Schools Credit Union
Credit union
Middletown Area Schools Credit Union
Middletown, Ohio · Under $100 million in assets
Metric by metric
| Measure | The Cincinnatus Savings & Loan Co. | Middletown Area Schools Credit Union |
|---|---|---|
| TellerScore | 84 | 84 |
| Capital cushion | 100 | 100 |
| Loan quality | 91 (stronger) | 64 |
| Earnings | 57 | 74 (stronger) |
| Funding & liquidity | 67 | 93 (stronger) |
| Problem-loan coverage | 98 (stronger) | 92 |
| Peer percentile | 86th | 75th |
| Total assets | $193.1M | $11.3M |
| Deposits / shares | $163.0M | $9.6M |
| Capital ratio | 15.26% (stronger) | 15.20% |
| Problem loans | 0.26% (stronger) | 1.09% |
| Net charge-offs | -0.11% (stronger) | 0.13% |
| Return on assets | 0.93% | 1.35% (stronger) |
| Loans ÷ deposits | 77.9% | 67.3% (stronger) |
| Uninsured deposits | 29.1% | 3.8% (stronger) |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), The Cincinnatus Savings & Loan Co. leads on 3 and Middletown Area Schools Credit Union on 3. 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.