Credit union · NCUA insured
Miami University Community Federal Credit Union
A $76M credit union headquartered in Oxford, OH, with 4,601 members and 3 branches in Ohio. Best rates: CDs 3.60% and savings 0.15% APY.
Miami University Community Federal Credit Union Carrot Score
67
Carrot Score
Higher than 18% of U.S. banks and credit unions
#42 of 58 in Cincinnati, OH-KY-IN metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Miami University Community Federal Credit Union
Established in 1969 as Miami Employees Federal Credit Union to serve Miami University employees, the member-owned institution rebranded in 2000 as Miami University and Community Federal Credit Union to serve all of Butler County.
Locally headquartered in Oxford, Ohio, the credit union serves Oxford and Butler County.
- Headquarters
- 31 Lynn Ave, Oxford, OH 45056
- NCUA charter
- 19678
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or attend school in Butler County are eligible for membership.
Branches
3 branches in Ohio
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Ohio
3 branches
- Miami University Community Federal Credit UnionMain office31 Lynn Ave, Oxford, OH 45056Directions
- Miami University Community Federal Credit Union5120 College Corner Pike, Oxford, OH 45056Directions
- Miami University First Miami Student CU550 E Spring St rm 2011, Oxford, OH 45056Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 12.73% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 2.41% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.45% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $56 | $59 | — |
- CapitalNet worth ratio12.73%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late2.41%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.45%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$56Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Miami University Community Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.