Side-by-side · Q2 2026 data
The Harrison Building and Loan Association 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 Harrison Building and Loan Association | Middletown Area Schools Credit Union |
|---|---|---|
| TellerScore | 86 (stronger) | 84 |
| Capital cushion | 100 | 100 |
| Loan quality | 87 (stronger) | 64 |
| Earnings | 63 | 74 (stronger) |
| Funding & liquidity | 80 | 93 (stronger) |
| Problem-loan coverage | 97 (stronger) | 92 |
| Peer percentile | 90th | 75th |
| Total assets | $268.0M | $11.3M |
| Deposits / shares | $201.4M | $9.6M |
| Capital ratio | 17.62% (stronger) | 15.20% |
| Problem loans | 0.39% (stronger) | 1.09% |
| Net charge-offs | 0.00% (stronger) | 0.13% |
| Return on assets | 1.06% | 1.35% (stronger) |
| Loans ÷ deposits | 80.2% | 67.3% (stronger) |
| Uninsured deposits | 9.6% | 3.8% (stronger) |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | — |
The Harrison Building and Loan Association has the higher TellerScore (86 vs 84). On the 7 directional measures above (where higher or lower is clearly better), The Harrison Building and Loan Association leads on 4 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.