Credit Union Safety Analysis
Is Myusa Credit Union, Inc. Safe? Middletown, Ohio
Based on its Q2 2026 NCUA 5300 call report, Myusa Credit Union, Inc. has a net worth ratio of 14.20%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 2.34%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Myusa Credit Union, Inc.'s net worth ratio is 14.20%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 14.20%
- Delinquency ratio (60+ days) (Q2 2026): 2.34%
- Return on assets (Q2 2026): 0.28%
- Loan-to-share ratio (Q2 2026): 62.72%
Myusa Credit Union, Inc. (NCUA charter 96755) reported $351.2M in assets and 18,152 members for Q2 2026 from Middletown, Ohio. It ranks 31 of 191 credit unions in Ohio by total assets. Total assets grew 2.2% from $343.5M on June 30, 2025. It has 671 fewer members than on June 30, 2025 (-3.6%). Its net worth ratio was up 0.47 percentage points from 13.73% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $59.4M of $173.8M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 2.34% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 13.95% for Q1 2026; 13.73% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 0.66% for Q1 2026; 1.73% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 0.71% for Q1 2026; 0.43% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 60.68% for Q1 2026; 62.07% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $59.4M
- Commercial loans: $54.7M
- New vehicle loans: $22.8M
- Other unsecured loans and lines of credit: $11.3M
- Used vehicle loans: $9.5M
- Unsecured credit card loans: $8.4M
- Other secured non-real estate loans and lines of credit: $7.3M
- Non-federally guaranteed student loans: $438K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $351.2M | 14.20% | 2.34% | 0.28% | 62.72% |
| March 31, 2026 | $355.9M | 13.95% | 0.66% | 0.71% | 60.68% |
| December 31, 2025 | $337.8M | 14.50% | 0.54% | 0.99% | 60.71% |
| September 30, 2025 | $338.3M | 14.27% | 1.60% | 1.32% | 62.07% |
| June 30, 2025 | $343.5M | 13.73% | 1.73% | 0.43% | 62.07% |
| March 31, 2025 | $340.6M | 13.74% | 1.35% | 0.55% | 65.14% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Myusa Credit Union, Inc. profile
Regulator records: NCUA credit union profile (charter 96755) · FFIEC NIC profile (RSSD 967699)
Frequently asked questions
Is Myusa Credit Union, Inc. well capitalized?
On its Q2 2026 NCUA 5300 call report, Myusa Credit Union, Inc.'s net worth ratio is 14.20%, above the 7% NCUA threshold for well capitalized.
Is Myusa Credit Union, Inc. FDIC insured?
No. The FDIC insures banks, not credit unions. Myusa Credit Union, Inc. is a federally insured credit union (NCUA charter 96755): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Myusa Credit Union, Inc.'s key safety ratios?
For Q2 2026, Myusa Credit Union, Inc. reports net worth 14.20%, delinquency 2.34%, ROA 0.28%, loan-to-share 62.72%.
What happens to my money if Myusa Credit Union, Inc. fails?
For Q2 2026, Myusa Credit Union, Inc. held $277.1M in shares and deposits for 18,152 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.