Side-by-side · Q2 2026 data
The Twin Valley 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 | The Twin Valley Bank | Middletown Area Schools Credit Union |
|---|---|---|
| TellerScore | 72 | 84 (stronger) |
| Capital cushion | 42 | 100 (stronger) |
| Loan quality | 97 (stronger) | 64 |
| Earnings | 63 | 74 (stronger) |
| Funding & liquidity | 88 | 93 (stronger) |
| Problem-loan coverage | 95 (stronger) | 92 |
| Peer percentile | 50th | 75th |
| Total assets | $137.6M | $11.3M |
| Deposits / shares | $126.5M | $9.6M |
| Capital ratio | 9.23% | 15.20% (stronger) |
| Problem loans | 0.08% (stronger) | 1.09% |
| Net charge-offs | 0.06% (stronger) | 0.13% |
| Return on assets | 1.08% | 1.35% (stronger) |
| Loans ÷ deposits | 72.6% | 67.3% (stronger) |
| Uninsured deposits | 12.2% | 3.8% (stronger) |
| Offices | 5 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Middletown Area Schools Credit Union has the higher TellerScore (84 vs 72). On the 7 directional measures above (where higher or lower is clearly better), The Twin Valley Bank leads on 2 and Middletown Area Schools Credit Union on 5. 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.