# MYUSA
Middletown, OH · NCUA charter 96755 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/myusa-96755

Who the members are: state charter. 18,337 members of 1,594,122 potential (1.1% of the field); checking penetration 62% (share draft accounts per 100 members); loans per 100 members 65.

**Verdict on the desk:** this could be *ordinary*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $355.9M |
| Members | 18,337 (-3.5% YoY) |
| Full-time staff | 64 |
| Net worth | $49.6M |
| Net worth ratio | 13.9% (p82 of band) |
| ROA (annualized) | 0.71% (p52 of band) |
| Total delinquency | 0.66% (p56 of band) |
| Net charge-offs (annualized) | 0.12% (p17 of band) |
| Loans / shares | 61% (p23 of band) |
| Cash / assets | 15.6% |
| Borrowings / assets | 5.62% |
| Net interest margin | 3.42% (p40 of band) |
| Operating expense / assets | 3.70% (p50 of band) |
| Vehicles % of loans | 19% (p20 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 39% |
| Third-party paper % of net worth | 27% (p33 of band) |
| Vehicle delinquency | 1.51% (p88 of band) |
| Vehicle NCO | 0.25% (p25 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 32% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 11% |
| Commercial % of net worth | 114% |
| Core shares % of member funds | 50% |
| Certificates % of member funds | 13% |
| Average share balance | $6,604 |
| Participations bought / yr | $10.6M |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 65% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $14,658 |
| Loans granted, annualized | $31.9M |

## Flags firing in the latest filing

- **members leaving** (`shrink_members`)
- **leaning on borrowings** (`str_borrowings`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | delinquency 2x band, 3rd-party paper>100% NW |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 3 | charge-offs p90 |  |
| 2016-12 | 1 |  | delinquency 2x band, charge-offs p90 |
| 2017-03 | 2 | delinquency 2x band |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 1 |  | delinquency 2x band |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 2 | assets shrinking |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 | members leaving | assets shrinking |
| 2019-12 | 2 |  |  |
| 2020-03 | 3 | margin squeeze, loan book shrinking | 3rd-party paper>100% NW |
| 2020-06 | 4 | net worth falling |  |
| 2020-09 | 1 |  | members leaving, loan book shrinking, net worth falling |
| 2020-12 | 3 | delinquency rising, members leaving |  |
| 2021-03 | 2 |  | margin squeeze |
| 2021-06 | 1 |  | delinquency rising |
| 2021-09 | 0 |  | members leaving |
| 2021-12 | 2 | thin capital, net worth falling |  |
| 2022-03 | 1 | charge-offs p90 | thin capital, net worth falling |
| 2022-06 | 0 |  | charge-offs p90 |
| 2022-09 | 1 | members leaving |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 2 | assets shrinking |  |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 3 | delinquency rising |  |
| 2024-06 | 2 | net worth falling | assets shrinking, delinquency rising |
| 2024-09 | 1 | delinquency rising | members leaving, net worth falling |
| 2024-12 | 0 |  | delinquency rising |
| 2025-03 | 3 | net worth falling, delinquency 2x band, delinquency rising |  |
| 2025-06 | 3 |  |  |
| 2025-09 | 2 |  | net worth falling |
| 2025-12 | 1 | members leaving | delinquency 2x band, delinquency rising |
| 2026-03 | 2 | leaning on borrowings |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2024-06-17 [MyUSA elects Kyle McGlone new Board Chair - CUInsight](https://news.google.com/rss/articles/CBMiigFBVV95cUxPRmJ3Ny1IRVgxdzVHYTNnOFhzSXZNMENVYVdyQnpZbElwUDB2UHJSdmwtZkIwdzhwaTZZRm1TR3lWUV9rWERXYXpfRS1ydnIxWmdLam1VNTliWVlXTVZJMGU5VHVVNEFJVFBOQ254WWwzT3JOQ3lQYXNjMDBGQmRtV2hIeVYydEJiQ0E?oc=5) · CUInsight
- 2021-06-23 [MidUSA, Heartland Federal Credit Union rebrand as MyUSA after merger - American Banker](https://news.google.com/rss/articles/CBMitwFBVV95cUxNRDZNNTlUczgzb0NncjN1elA0cC05Rnh5T2V5amhtS0VwNHVOUHFwQWFiVV9uYmhTN2hkR1FrZUdnY084UGpqSGprdnFydHFTR1VZbTZ5eDM5WkxVUXB1QkVfNDAwUFdWbDdWMG5IbzZucENPMFR6LWlVaHE1RlJlbFFZb09LTkpKMktUb0tBck5LWmxQeUdDclR4ZGdvNFFQOEdCOWxqaGozbTR5dEpEYnp5S1EyTm8?oc=5) · American Banker
- 2025-06-30 [Ohio Members Stopped the Merger, Only to Watch Their Credit Union Collapse - CUTimes](https://news.google.com/rss/articles/CBMirgFBVV95cUxQZnpTQ085TDhRaVFjTUhoYTFULU9HV1FTQ2RQSGdTUDJETVhmUjZ5S1dDeEVWelRfUUtwY2pPNGhnQVV1TFJ4VWN5OW5XMDJBZ1Y5cmdlRnFEU3Exek9NWUp4SUc0TjlDdFVHSDg5eHAzYTBnbFZ2QmFwWEZnNk1BT1A0V3FpaENGV3RaaWRENUtySGNya2RvSEJNZEIzVS1Ybl82Y1V5U3FUaE50ZWc?oc=5) · CUTimes
- 2021-06-24 [Kettering's MidUSA, Middletown's Heartland credit unions merge - WKEF](https://news.google.com/rss/articles/CBMimwFBVV95cUxOdWM0Sk9sV1hBY3FydE5CRGhZeFhyaG9ORHBrYkU3blRQZUtqcXV4U3hpcEFISmgyU1NXVFprUmZwdnZLTWtiQ1NyTEZvM1hqREhZdXNsQzJrWk5GZEd1VWpTM3NFekttTG9XbW11dTJfVmRDamZOR1N5emxYY2YwRWJQRmpiN3B1MmstaDdGOTZTaUk3X0FKY2V1TQ?oc=5) · WKEF
- 2021-06-24 [Greater Cincinnati credit union merges with Dayton area counterpart - The Business Journals](https://news.google.com/rss/articles/CBMirgFBVV95cUxPMGlqVXVuN2ZvVXlwdlExQ3dES2F1NmRZczVpS2NPYUtyb09YT2dGdmppNnZGelZFb1l1VXY1WG4yWHNVOFQxV1BEcWlMLTI0aEJhSGtKQ3hxeGNsRE4zNk9zZ3RIak40T202R1Q4aHNaQkFhQ2FZblVoYWV3a2NNZVlhSHd3dFFlQ2tqNjhfWmN3ZnRxY0VzOVFCSHd6WlFCR1hFYUUxQjVuLVlMd0E?oc=5) · The Business Journals
- 2026-09-09 [MyUSA Credit Union welcomes Jason Tinch as Mortgage Loan Originator - CUInsight](https://news.google.com/rss/articles/CBMirAFBVV95cUxQd3hHRUhCN0lIREZOcFQ3Mk9SNU1IeFoxSnJBa29ESGVGVUluY2g0am1ZTHpUSjlHb3k4VEM5R051NTBrcG9wTUpxMjhYTHVzVnZDVUV4OVJHMDBVaWpyX1laMWhHUUhBREdtQUR5Z0VtSHhvR0Y4Q0NyaU44TlhZNkkzR2R6VURfX2k2VFlTU3M3eVc4a3RIaWZsTzEteWxmU2F3SERoWkpRaDFZ?oc=5) · CUInsight
- 2024-12-19 [Gerard C. Daly Obituary - Routsong Funeral Home & Cremation Services](https://news.google.com/rss/articles/CBMiW0FVX3lxTE9GTnJJT1M5R0d4NXZqR0RYRFNfOFE0RlNfVXI0NnAxS3kwQ1NMZ3I4ZTRyNHFLWERKTGI4a1VfWkJHNmNDbjRCUi1aMEFncVd3ZE9SVklJdWxUUkk?oc=5) · Routsong Funeral Home & Cremation Services
- 2026-01-18 [Shawna Marie Murphy Obituary (2026) - Cincinnati, OH - Staley-Strawser Funeral Home - Deer Park - legacy.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxNZG9TUVFRR3FfVzdNTURpTUxrRkxsQS1OZ1JjYzNLOEtlamdJVWpINlE0ODNiYUszdUFvOUV2V2xTbGdhZTFZcFRDMW5naUw3c0Rnc2hGTXIyZERSeGJUdVRvZy01alYxbFBsTEdvLXd0LUprcGhfSUctczJqNnNMdlJn?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=96755 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/51.json (key "96755", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=96755
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide