Miami University Community
Oxford, OH · Charter 19678 · Peer group: credit unions under $1B in assets in the Cincinnati, OH-KY-IN area (n=26)
NCUA · 4 branches
Q2 2026
$77.5MAssets
$37.2MLoans
$66.8MShares
$9.9MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 58% of credit unions under $1B in assets in the Cincinnati, OH-KY-IN area (rank 12 of 26).
- Widest gap: nonperforming loans / loans trails 88% of credit unions under $1B in assets in the Cincinnati, OH-KY-IN area (rank 24 of 26).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.45%
Rank 18 of 26
Net Interest Margin
3.16%
Rank 22 of 26
Efficiency Ratio
75.59%
Rank 12 of 26
Equity / Assets
12.73%
Rank 13 of 26
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.45% | 0.41% | 0.79% | 1.34% | Beats 31% | 18 / 26 | |
| Return on Equity | 3.53% | 3.53% | 6.04% | 8.49% | Beats 23% | 20 / 26 | |
| Net Interest Margin | 3.16% | 3.25% | 4.11% | 4.64% | Beats 15% | 22 / 26 | |
| Efficiency Ratio | 75.59% | 71.52% | 75.99% | 84.12% | Beats 58% | 12 / 26 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.41% | 0.40% | 1.09% | 2.09% | Beats 12% | 24 / 26 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.73% | 10.31% | 12.73% | 15.29% | Beats 50% | 13 / 26 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.73% | 10.31% | 12.73% | 15.29% | Beats 50% | 13 / 26 | |
| Liquidity & Funding |
| Loans / Deposits | 55.68% | 51.92% | 65.22% | 76.21% | 38th pctl | 16 / 26 | |
| Loans / Assets | 48.05% | 44.32% | 54.77% | 68.75% | 35th pctl | 17 / 26 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |