Provided the regulatory reforms of MFIs in CEMAC Zone since 2002, we run a comparative analysis of risks associated with MFIs ownership forms. Then, we got extract from MIX market database. Specifically, the dataset included 28 MFIs from Central Africa over the period 2001-2017. We found out that commercial orientation and large scale are associated with high good exposure. Being Microbanks venture stakes small depositors’ funds, but deprived from residual claims, we are supportive of stringer regulation of Microbanks. We also suggest clients (whether depositors or borrowers) participation in MFOs for better portfolio quality.