TellerScore

Headquartered in Oxford, Ohio, Miami University Community Federal Credit Union is a federal credit union with $77.4M in total assets and $66.8M in member shares and deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1969.

Miami University Community Federal Credit Union has a TellerScore of 59 out of 100 (moderate) based on Q2 2026 data — higher than only 20% of its 2,479 credit unions with under $100 million in assets. Among 192 credit unions headquartered in Ohio, it ranks 154th. Funding & liquidity contributes the most (100/100, 56% loans-to-deposits, 3% uninsured); loan quality contributes the least (20/100, 2.41%).

TellerScore · Q2 2026

Scorecard

Capital cushion77/100
Net worth ratio: 12.73%
Loan quality20/100
Loans 60+ days delinquent ÷ total loans: 2.41%
Earnings38/100
Return on assets (annualized): 0.45%
Funding & liquidity100/100
Loans ÷ shares: 55.7% · 3.3% uninsured
Problem-loan coverage82/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 9.10%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 18 points (77 → 59), mostly because the loan quality component weakened by 60 points.

TellerScore
596979Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202475
Q3 202477
Q4 202479
Q1 202574
Q2 202577
Q3 202578
Q4 202579
Q1 202668
Q2 202659
Net worth ratio
7.00%9.93%12.86%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.66%
Q3 202412.47%
Q4 202412.60%
Q1 202512.61%
Q2 202512.57%
Q3 202512.80%
Q4 202512.73%
Q1 202612.86%
Q2 202612.73%
Delinquent loans (60+ days)
0.26%1.34%2.41%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.26%
Q3 20240.37%
Q4 20240.31%
Q1 20250.93%
Q2 20250.59%
Q3 20250.58%
Q4 20250.56%
Q1 20261.48%
Q2 20262.41%
Return on assets
0.36%0.60%0.83%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.36%
Q3 20240.55%
Q4 20240.68%
Q1 20250.69%
Q2 20250.72%
Q3 20250.76%
Q4 20250.83%
Q1 20260.50%
Q2 20260.45%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202659$77.4M12.73%2.41%0.45%55.7%
Q1 202668$76.0M12.86%1.48%0.50%57.0%
Q4 202579$76.1M12.73%0.56%0.83%58.1%
Q3 202578$74.0M12.80%0.58%0.76%60.2%
Q2 202577$74.1M12.57%0.59%0.72%60.6%
Q1 202574$72.7M12.61%0.93%0.69%62.4%
Q4 202479$71.8M12.60%0.31%0.68%62.9%
Q3 202477$71.3M12.47%0.37%0.55%63.3%
Q2 202475$74.9M11.66%0.26%0.36%60.4%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio12.73%
37th
Problem loans2.41%
17th
Net charge-offs0.31%
38th
Return on assets0.45%
39th
Loans to deposits55.7%
54th
Uninsured deposits3.3%
34th
Loan-loss reserves0.00%
37th
Texas ratio9.1%
15th

Similar-size credit unions in Ohio

InstitutionScoreAssetsCapitalProblem loansCompare
Eaton Family Credit UnionCredit union Euclid, OH39 out of 100, Low$77.6M10.6%3.04%vs
Your Legacy Federal Credit UnionCredit union Tiffin, OH64 out of 100, Moderate$79.1M10.2%1.06%vs
L C E Federal Credit UnionCredit union Painesville, OH73 out of 100, Strong$74.3M10.3%0.54%vs
Champion Credit UnionCredit union Toledo, OH73 out of 100, Strong$74.1M11.6%0.89%vs
Integrity Federal Credit UnionCredit union Barberton, OH74 out of 100, Strong$73.4M9.8%0.42%vs
Lan-Fair Federal Credit UnionCredit union Lancaster, OH69 out of 100, Moderate$72.9M10.0%0.37%vs

Deposit insurance

Is my money safe at Miami University Community Federal Credit Union?

Yes. Miami University Community Federal Credit Union is a federally insured credit union (NCUA charter #19678). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 3.3% of shares and deposits ($2.2M) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 12.73%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Miami University Community Federal Credit Union lists 3 offices in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Miami University Community Federal Credit Union
Type
Federal credit union
NCUA charter #
19678
RSSD ID
912783
Primary regulator
NCUA
Established
1969
Headquarters
31 Lynn Ave, Oxford, OH 45056
Employees
15

Quick answers

Miami University Community Federal Credit Union: common questions

Is Miami University Community Federal Credit Union NCUA insured?

Yes. Miami University Community Federal Credit Union is a federally insured credit union (NCUA charter #19678). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Miami University Community Federal Credit Union's TellerScore?

59 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Miami University Community Federal Credit Union have?

3 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Oxford

InstitutionScoreAssetsCapitalProblem loansCompare
St. James Parish Credit UnionCredit union Cincinnati, OH90 out of 100, Very strong$5.9M21.8%0.00%vs
Spring Valley BankBank Wyoming, OH89 out of 100, Very strong$113.6M34.1%0.43%vs
The Harrison Building and Loan AssociationBank Harrison, OH86 out of 100, Very strong$268.0M17.6%0.39%vs
The Cincinnatus Savings & Loan Co.Bank Cincinnati, OH84 out of 100, Strong$193.1M15.3%0.26%vs
Middletown Area Schools Credit UnionCredit union Middletown, OH84 out of 100, Strong$11.3M15.2%1.09%vs
Republic Bank & Trust CompanyBank Louisville, KY84 out of 100, Strong$7.1B14.8%0.56%vs