Side-by-side · Q2 2026 data
Whitewater Community 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 | Whitewater Community Credit Union | Middletown Area Schools Credit Union |
|---|---|---|
| TellerScore | 69 | 84 (stronger) |
| Capital cushion | 55 | 100 (stronger) |
| Loan quality | 98 (stronger) | 64 |
| Earnings | 32 | 74 (stronger) |
| Funding & liquidity | 80 | 93 (stronger) |
| Problem-loan coverage | 99 (stronger) | 92 |
| Peer percentile | 38th | 75th |
| Total assets | $11.3M | $11.3M |
| Deposits / shares | $10.1M | $9.6M |
| Capital ratio | 10.48% | 15.20% (stronger) |
| Problem loans | 0.06% (stronger) | 1.09% |
| Net charge-offs | 0.01% (stronger) | 0.13% |
| Return on assets | 0.29% | 1.35% (stronger) |
| Loans ÷ deposits | 80.0% | 67.3% (stronger) |
| Uninsured deposits | 0.0% (stronger) | 3.8% |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Middletown Area Schools Credit Union has the higher TellerScore (84 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Whitewater Community Credit Union leads on 3 and Middletown Area Schools Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.