Credit union · NCUA insured
Middletown Area Schools CU
A $10.9M credit union headquartered in Middletown, OH, with 1,003 members and 1 branch in Ohio. Best rates: CDs 4.00% and savings 0.25% APY.
Middletown Area Schools CU Carrot Score
75
Carrot Score
Higher than 38% of U.S. banks and credit unions
#34 of 58 in Cincinnati, OH-KY-IN metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Middletown Area Schools CU
Organized in May 1937 as Middletown Teachers Credit Union, Middletown Area Schools CU was formed to provide school system employees and their families with banking services.
- Headquarters
- 1730 Central Ave, Middletown, OH 45044-4140
- NCUA charter
- 62877
Branches
1 branch in Ohio
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Ohio
1 branch
- Main OfficeMain office1730 Central Ave, Middletown, OH 45044Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 15.20% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 1.09% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.38% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $67 | $59 | — |
- CapitalNet worth ratio15.20%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late1.09%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.38%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$67Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Middletown Area Schools CU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.