Side-by-side · Q2 2026 data
Miami University Community Federal Credit Union vs St. James Parish Credit Union
Credit union
Miami University Community Federal Credit Union
Oxford, Ohio · Under $100 million in assets
Metric by metric
| Measure | Miami University Community Federal Credit Union | St. James Parish Credit Union |
|---|---|---|
| TellerScore | 59 | 90 (stronger) |
| Capital cushion | 77 | 100 (stronger) |
| Loan quality | 20 | 100 (stronger) |
| Earnings | 38 | 72 (stronger) |
| Funding & liquidity | 100 (stronger) | 68 |
| Problem-loan coverage | 82 | 100 (stronger) |
| Peer percentile | 20th | 89th |
| Total assets | $77.4M | $5.9M |
| Deposits / shares | $66.8M | $4.4M |
| Capital ratio | 12.73% | 21.83% (stronger) |
| Problem loans | 2.41% | 0.00% (stronger) |
| Net charge-offs | 0.31% (stronger) | 0.66% |
| Return on assets | 0.45% | 1.29% (stronger) |
| Loans ÷ deposits | 55.7% (stronger) | 92.4% |
| Uninsured deposits | 3.3% | 0.0% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
St. James Parish Credit Union has the higher TellerScore (90 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Miami University Community Federal Credit Union leads on 2 and St. James Parish Credit Union on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.