Racine Municipal Employees
Racine, WI · Charter 66622 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$25.9MAssets
$14.9MLoans
$22.3MShares
$3.3MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 80% of credit unions under $1B in assets (rank 338 of 1681).
- Widest gap: net interest margin trails 57% of credit unions under $1B in assets (rank 955 of 1683).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
1.21%
Rank 393 of 1,683
Net Interest Margin
3.69%
Rank 955 of 1,683
Efficiency Ratio
68.60%
Rank 412 of 1,682
Equity / Assets
12.86%
Rank 851 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.21% | 0.35% | 0.74% | 1.18% | Beats 77% | 393 / 1,683 | |
| Return on Equity | 9.42% | 2.67% | 5.89% | 8.74% | Beats 80% | 338 / 1,681 | |
| Net Interest Margin | 3.69% | 3.31% | 3.82% | 4.32% | Beats 43% | 955 / 1,683 | |
| Efficiency Ratio | 68.60% | 68.91% | 78.20% | 86.93% | Beats 76% | 412 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.75% | 0.26% | 0.65% | 1.29% | Beats 45% | 922 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.86% | 10.44% | 12.89% | 16.53% | Beats 49% | 851 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.86% | 10.44% | 12.89% | 16.53% | Beats 49% | 851 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 66.96% | 52.61% | 69.38% | 83.50% | 45th pctl | 918 / 1,683 | |
| Loans / Assets | 57.58% | 44.71% | 59.18% | 70.72% | 47th pctl | 900 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |