Side-by-side · Q2 2026 data
Your Legacy Federal Credit Union 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 | Your Legacy Federal Credit Union | Miami University Community Federal Credit Union |
|---|---|---|
| TellerScore | 64 (stronger) | 59 |
| Capital cushion | 52 | 77 (stronger) |
| Loan quality | 65 (stronger) | 20 |
| Earnings | 43 (stronger) | 38 |
| Funding & liquidity | 98 | 100 (stronger) |
| Problem-loan coverage | 88 (stronger) | 82 |
| Peer percentile | 28th | 20th |
| Total assets | $79.1M | $77.4M |
| Deposits / shares | $72.4M | $66.8M |
| Capital ratio | 10.21% | 12.73% (stronger) |
| Problem loans | 1.06% (stronger) | 2.41% |
| Net charge-offs | 1.89% | 0.31% (stronger) |
| Return on assets | 0.58% (stronger) | 0.45% |
| Loans ÷ deposits | 62.0% | 55.7% (stronger) |
| Uninsured deposits | 5.0% | 3.3% (stronger) |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Your Legacy Federal Credit Union has the higher TellerScore (64 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Your Legacy Federal Credit Union leads on 3 and Miami University Community Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.