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
Call Report peers
Miami University Community in the assets neighbourhood
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Miami University Community vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Miami University Community sits in 80-84 with 767 others.
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
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).
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.
- One place up in Ohio, Christian Family (#108) ties at 82/100; one place down, University of Toledo (#110) ties at 82/100.
Quarter path for Miami University Community
Miami University Community: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.1% from $76.1M (2025Q4) to $76.0M (2026Q1).
- Net-worth ratio shifted +0.13 pp (12.73% → 12.86%).
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
Miami University Community gives up 18 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio and Return on Assets score full marks.
- 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 |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Miami University Community financially healthy?
Miami University Community has a financial health score of 82/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,429 of 4,374 nationally on health and #109 of 196 in Ohio. Its net worth ratio is 12.86% and its delinquency rate 0.56%.
How does Miami University Community compare to other credit unions?
Miami University Community scores 82/100, higher than 43% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is delinquency rate (0.56% vs 0.96%). Its widest shortfall is loan-to-share ratio (58.12% vs 62.60%).
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?
Miami University Community is a federal credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.