Middletown, OH
4 risk indicators measuring financial stability and operational resilience
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Sign In — Free (10 views/day)196 MIDDLETOWN AREA SCHOOLS CREDIT UNION, founded in 1937, is a small nonprofit that reported $663K in total revenue in fiscal year 2025. The organization ran a surplus of $158K, a strong 24% operating margin.
We are people helping people, rooted in our communities, empowering our employees to help our members achieve financial success.
The credit union services their 1,009 members by providing deposit services including share and club accounts, share draft accounts and share certificates. The members have access to home banking...
The credit union services their 1,009 members by providing deposit services including share and club accounts, share draft accounts and share certificates. The members have access to home banking, debit cards, credit cards and ATMs.
Loan products offered by the credit union includes new and used vehicle loans, recreational vehicle loans, share secured loans, unsecured loans and credit cards, The credit union granted 232 loans in...
Loan products offered by the credit union includes new and used vehicle loans, recreational vehicle loans, share secured loans, unsecured loans and credit cards, The credit union granted 232 loans in 2025 totaling $3,586,460 at competitive rates. Loans increased 25.59% in 2025.
The credit union paid dividends on the 1,288 share accounts and share certificate accounts held by the credit union's 1,009 members. Shares increased 5.41% in 2025.
Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency
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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)
Sign In — Free (10 views/day)| 2025 | 2024 | Change | |
|---|---|---|---|
| Revenue | $663,369 | $661,055 | +0.0% |
| Expenses | $505,272 | $471,091 | +0.1% |
| Net Income | $158,097 | $189,964 | -0.2% |
Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics
Financial Distress Indicator
Liquidity & Cash Position
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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics
Sign In| Name | Title | Hours/Week | Role | Reportable Comp | Other Comp | Total |
|---|---|---|---|---|---|---|
| Cecil R Barger | Director | 0.50 |
Director
|
$0 | $0 | $0 |
| Shirley Chaputa | Director | 0.50 |
Director
|
$0 | $0 | $0 |
| Linda Jester | Director | 0.50 |
Director
|
$0 | $0 | $0 |
| Terry Snelling | Director | 0.50 |
Director
|
$0 | $0 | $0 |
| Mary A Gast | Director-Secretary | 0.50 |
Officer
Director
|
$0 | $0 | $0 |
| James J Stiver | Director/Vice President | 0.50 |
Officer
Director
|
$0 | $0 | $0 |
| Martha Morgan | Director President | 0.50 |
Officer
Director
|
$0 | $0 | $0 |
| Year | Revenue | Expenses | Assets | Net Income |
|---|---|---|---|---|
| 2025 | $663,369 | $505,272 | $10,801,850 | $158,097 |
| 2024 | $661,055 | $471,091 | $10,193,948 | $189,964 |
| 2023 | $652,471 | $502,637 | $9,807,841 | $149,834 |
| 2022 | $404,301 | $350,624 | $9,398,111 | $53,677 |
| 2021 | $355,100 | $376,909 | $11,020,574 | $-21,809 |
| 2020 | $391,503 | $415,398 | $9,328,886 | $-23,895 |
| 2019 | $449,701 | $429,888 | $8,279,801 | $19,813 |
| 2018 | $470,989 | $377,619 | $7,829,480 | $93,370 |
Compare 196 MIDDLETOWN AREA SCHOOLS CREDIT UNION with other nonprofits in Ohio and across the country.