Side-by-side · Q2 2026 data
Spring Valley Bank vs Miami University Community Federal Credit Union
Credit union
Miami University Community Federal Credit Union
Oxford, Ohio · Under $100 million in assets
Metric by metric
| Measure | Spring Valley Bank | Miami University Community Federal Credit Union |
|---|---|---|
| TellerScore | 89 (stronger) | 59 |
| Capital cushion | 100 (stronger) | 77 |
| Loan quality | 86 (stronger) | 20 |
| Earnings | 100 (stronger) | 38 |
| Funding & liquidity | 49 | 100 (stronger) |
| Problem-loan coverage | 98 (stronger) | 82 |
| Peer percentile | 94th | 20th |
| Total assets | $113.6M | $77.4M |
| Deposits / shares | $67.0M | $66.8M |
| Capital ratio | 34.07% (stronger) | 12.73% |
| Problem loans | 0.43% (stronger) | 2.41% |
| Net charge-offs | 0.00% (stronger) | 0.31% |
| Return on assets | 2.90% (stronger) | 0.45% |
| Loans ÷ deposits | 154.7% | 55.7% (stronger) |
| Uninsured deposits | 16.2% | 3.3% (stronger) |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.9% | — |
Spring Valley Bank has the higher TellerScore (89 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Spring Valley Bank leads on 5 and Miami University Community Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.