PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Miami University Community

Oxford, OH · Charter 19678

NCUA · 4 branches

Q2 2026

$77.5MAssets
$37.2MLoans
$66.8MShares
$9.9MNet Worth

Executive Summary

  • Earnings: ROA of 0.45%, down 27 bps year over year; NIM at 3.16%.
  • Asset quality: problem loans at 2.41% of loans (+182 bps YoY).
  • Capital: net worth / assets of 12.73%, up 15 bps from a year ago.
  • Funding: loans stand at 55.68% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.45%-27 bps YoY

Net Interest Margin (YTD, annualized)

3.16%-3 bps YoY

Efficiency Ratio (YTD, annualized)

75.62%-224 bps YoY

Net Worth / Assets

12.73%+15 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.55%0.68%0.69%0.72%0.76%0.83%0.50%0.45%-27 bps
Return on Equity4.39%5.37%5.48%5.76%5.93%6.50%3.89%3.54%-222 bps
Net Interest Margin3.13%3.18%3.17%3.19%3.28%3.28%3.21%3.16%-3 bps
Efficiency Ratio79.59%77.25%78.99%77.86%77.03%75.56%75.65%75.62%-224 bps
Growth
Asset Growth (YoY)-4.25%-3.96%-2.62%-1.03%3.79%5.92%4.50%4.49%+552 bps
Loan Growth (YoY)-3.41%-1.08%-1.48%-1.78%-1.50%-2.31%-4.76%-4.84%-306 bps
Share Growth (YoY)-5.10%-5.18%-3.38%-2.16%3.71%5.65%4.33%3.57%+574 bps
Asset Quality
Delinquent Loans / Loans0.37%0.31%0.93%0.59%0.58%0.56%1.48%2.41%+182 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital12.47%12.60%12.61%12.57%12.80%12.73%12.86%12.73%+15 bps
Net Worth / Assets12.47%12.60%12.61%12.57%12.80%12.73%12.86%12.73%+15 bps
Liquidity & Funding
Loans / Shares63.35%62.86%62.41%60.60%60.16%58.12%56.98%55.68%-492 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps