MIAMI UNIVERSITY COMMUNITY
Charter #19678 · Oxford, OH · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Delinquency 60+ days of 1.48% sits at the 84th percentile of structural peers — worth a closer look.
- Efficiency ratio of 75.65% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- On Efficiency ratio, the asset-size band puts this credit union at the 38th percentile but its structural peers at the 21st — a 17-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | MIAMI UNIVERSITY COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $76.01M | 60th pct | 49th pct |
| Members | 4,601 | 41th pct | 51th pct |
| Net worth ratio | 12.86% | 50th pct | 57th pct |
| Return on average assets | 0.50% | 38th pct | 51th pct |
| Net interest margin | 3.21% | 24th pct | 33th pct |
| Cost of funds | 1.17% | 65th pct | 64th pct |
| Loan-to-share | 56.98% | 43th pct | 51th pct |
| Delinquency 60+ days | 1.48% | 86th pct | 84th pct |
| Net charge-off ratio | 0.29% | 56th pct | 67th pct |
| Loan growth YoY | -2.86% | 37th pct | 31th pct |
| Share growth YoY | 2.57% | 46th pct | 57th pct |
| Efficiency ratio | 75.65% | 38th pct | 21th pct |
structural peer set hash: a29eb0e2fd14b4fa0921055df34d691e… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.