Federal credit union · Oxford, Ohio · NCUA charter #19678
Miami University Community
Health score 82/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 82
- Health / 100
- $76.1M
- Total assets
- 4,603
- Members
- 12.9%
- Net-worth ratio
Miami University Community scores 82/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $76.1M; members 4,603; net-worth ratio 12.86%; health rank #2,429 of 4,374; healthier than 43rd of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#2,429 of 4,374 health · 2025Q4Miami University Community · health 82/100 · $76.1M · 2025Q4
- NW 82/100
- DELQ 12.9%
- ROA 0.56%
- ASSETS 0.64%
- MEM $76.1M
- RANK 4,603
- PHOTO #2,429/4,374
- BOOK Texan Sky
- CHARTER 19678
Call Report peers
Miami University Community in the assets neighbourhood
Miami University Community's $76.1M assets sit next to Texan Sky ($76.1M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Miami University Community vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
82 43rd percentile higher than 43% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Miami University Community - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #19678. See our deposit-insurance coverage note.
Peer-gap read for Miami University Community
- Largest favorable gap: Delinquency Rate at 0.56% vs peer 0.96% (-0.40 pp).
- Loan-to-Share Ratio trails the peer set - 58.12% here, 62.60% peer average (-4.48 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Ohio standing for Miami University Community
- In Ohio, health place is #109 of 196 on the same NCUA-ratio sort used nationally.
- Assets rank #88 of 196 inside Ohio ($76.1M reported).
- Ohio membership ordinal: #103 of 196.
In-state ordinals use the live credit_unions table for OH only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Miami University Community
Miami University Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.1% from $76.1M (2025Q4) to $76.0M (2026Q1).
- Net-worth ratio shifted +0.13 pp (12.73% → 12.86%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 12.86%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 82/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 82.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.4 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 12.6 pts
Call Report ratios for Miami University Community
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.86% | -0.76 pp |
| Delinquency Rate | 0.56% | -0.40 pp |
| Return on Assets | 0.64% | -0.02 pp |
| Member Growth | -8.58% | - |
| Loan-to-Share Ratio | 58.12% | -4.48 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Miami University Community filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $76.0M | - |
| 2025Q4 | $76.1M | 4,603 |
| 2024Q4 | $71.8M | 5,035 |
| 2023Q4 | $74.8M | 7,691 |
Credit Union Details
- Charter Number
- 19678
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Ohio
- City
- Oxford
- Data Quarter
- 2025Q4
Branch Locations (3)
Miami University Community operates 3 offices in Oxford, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Miami University Community Federal Credit Union (Main Office) | Oxford, OH |
| Miami University Community Federal Credit Union | Oxford, OH |
| Miami University First Miami Student CU | Oxford, OH |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Ohio
Other federally-insured credit unions in Ohio, closest first by peer group and asset size.
Cross-state Call Report peers for Miami University Community
Miami University Community's nationwide photo peers by assets and by health score, excluding Ohio charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($76.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (82/100 here).
Using this data
- Miami University Community ranks #2,429 of 4,374 nationally on financial health and #109 of 196 in OH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Jeep Country is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Jeep Country
- Rates and health both vary by institution, not just by state -- see how Ohio credit unions compare overall before assuming this one is typical. Ohio state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Miami University Community financially healthy?
Miami University Community scores 82/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,429 of 4,374; by total assets it ranks #2,061 of 4,374 nationally (same basis as /rankings/largest); and #88 of 196 within Ohio. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 12.86% net worth ratio and a 0.56% delinquency rate.
How does Miami University Community compare to other credit unions?
Miami University Community scores 82/100 on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Miami University Community?
Miami University Community operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Miami University Community directly for the exact boundaries and application steps.
Is my money safe at Miami University Community?
Federal credit unions like Miami University Community are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Miami University Community's net worth ratio of 12.86% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Miami University Community offer compared to banks?
Credit unions like Miami University Community are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Miami University Community directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.