TellerScore

Myusa Credit Union (NCUA charter #96755) is based in Middletown, Ohio. Its Q2 2026 call report shows $351.2M in total assets and $277.1M in member shares and deposits and 8 offices.

Based on its Q2 2026 filing, Myusa Credit Union scores 64/100, which we describe as moderate. That is higher than only 31% of 1,341 credit unions with $100 million – $1 billion. Among 192 credit unions headquartered in Ohio, it ranks 131st. Its strongest component is funding & liquidity (98/100; 63% loans-to-deposits, 0% uninsured), and its lowest is loan quality (22/100; 2.34%).

TellerScore · Q2 2026

Scorecard

Capital cushion92/100
Net worth ratio: 14.20%
Loan quality22/100
Loans 60+ days delinquent ÷ total loans: 2.34%
Earnings40/100
Return on assets (annualized): 0.50%
Funding & liquidity98/100
Loans ÷ shares: 62.7% · 0.0% uninsured
Problem-loan coverage84/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 8.15%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 4 points (68 → 64), mostly because the loan quality component weakened by 20 points.

TellerScore
647484Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202483
Q3 202481
Q4 202477
Q1 202571
Q2 202568
Q3 202573
Q4 202584
Q1 202680
Q2 202664
Net worth ratio
7.00%10.75%14.50%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202414.31%
Q3 202414.40%
Q4 202414.04%
Q1 202513.74%
Q2 202513.73%
Q3 202514.27%
Q4 202514.50%
Q1 202613.95%
Q2 202614.20%
Delinquent loans (60+ days)
0.38%1.36%2.34%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.38%
Q3 20240.41%
Q4 20240.62%
Q1 20251.35%
Q2 20251.73%
Q3 20251.60%
Q4 20250.54%
Q1 20260.66%
Q2 20262.34%
Return on assets
0.34%0.58%0.82%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.69%
Q3 20240.46%
Q4 20240.34%
Q1 20250.55%
Q2 20250.49%
Q3 20250.77%
Q4 20250.82%
Q1 20260.71%
Q2 20260.50%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202664$351.2M14.20%2.34%0.50%62.7%
Q1 202680$355.9M13.95%0.66%0.71%60.7%
Q4 202584$337.8M14.50%0.54%0.82%60.7%
Q3 202573$338.3M14.27%1.60%0.77%62.1%
Q2 202568$343.5M13.73%1.73%0.49%62.1%
Q1 202571$340.6M13.74%1.35%0.55%65.1%
Q4 202477$330.0M14.04%0.62%0.34%67.9%
Q3 202481$321.8M14.40%0.41%0.46%67.5%
Q2 202483$323.9M14.31%0.38%0.69%67.9%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio14.20%
80th
Problem loans2.34%
4th
Net charge-offs0.24%
65th
Return on assets0.50%
30th
Loans to deposits62.7%
74th
Uninsured deposits0.0%
98th
Loan-loss reserves0.00%
50th
Texas ratio8.1%
20th

Similar-size credit unions in Ohio

InstitutionScoreAssetsCapitalProblem loansCompare
Pse Credit Union, Inc.Credit union Parma, OH72 out of 100, Strong$352.5M11.1%0.61%vs
Firefighters Community Credit UnionCredit union Cleveland, OH65 out of 100, Moderate$358.6M9.8%0.61%vs
Ih Credit Union, Inc.Credit union Springfield, OH74 out of 100, Strong$362.7M16.0%1.70%vs
Cardinal Credit Union, Inc.Credit union Mentor, OH57 out of 100, Moderate$365.7M10.0%1.11%vs
Genfed Financial Credit UnionCredit union Akron, OH79 out of 100, Strong$335.9M16.8%1.38%vs
Vacationland Federal Credit UnionCredit union Sandusky, OH72 out of 100, Strong$326.9M12.8%1.16%vs

Deposit insurance

Is my money safe at Myusa Credit Union?

Myusa Credit Union files NCUA call reports but its charter type is recorded as not federally insured. Ask the credit union how deposits are insured.

An estimated 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 14.20%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

8 locations

Branches

Myusa Credit Union lists 8 offices in 6 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Myusa Credit Union reported 15 home-loan applications under HMDA (LEI 549300C5R5JKIOHSSF92): 9 originated ($675,000 total), 4 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 26.7%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Myusa Credit Union
Type
Non-federally insured state credit union
NCUA charter #
96755
RSSD ID
967699
Primary regulator
State + NCUA
Headquarters
3600 Towne Blvd, Middletown, OH 45005
Employees
69

Quick answers

Myusa Credit Union: common questions

Is Myusa Credit Union NCUA insured?

Myusa Credit Union files NCUA call reports but its charter type is recorded as not federally insured. Ask the credit union how deposits are insured.

What is Myusa Credit Union's TellerScore?

64 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Myusa Credit Union have?

8 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Middletown

InstitutionScoreAssetsCapitalProblem loansCompare
Spring Valley BankBank Wyoming, OH89 out of 100, Very strong$113.6M34.1%0.43%vs
Members Trust Federal Credit UnionCredit union Mason, OH87 out of 100, Very strong$23.4M19.1%0.05%vs
The Harrison Building and Loan AssociationBank Harrison, OH86 out of 100, Very strong$268.0M17.6%0.39%vs
Middletown Area Schools Credit UnionCredit union Middletown, OH84 out of 100, Strong$11.3M15.2%1.09%vs
Republic Bank & Trust CompanyBank Louisville, KY84 out of 100, Strong$7.1B14.8%0.56%vs
The Cincinnatus Savings & Loan Co.Bank Cincinnati, OH84 out of 100, Strong$193.1M15.3%0.26%vs