PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Racine Municipal Employees

Racine, WI · Charter 66622

NCUA · 1 branch

Q2 2026

$25.9MAssets
$14.9MLoans
$22.3MShares
$3.3MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.21%, down 8 bps year over year; NIM at 3.69%.
  • Asset quality: problem loans at 0.75% of loans (+9 bps YoY).
  • Capital: net worth / assets of 12.86%, up 44 bps from a year ago.
  • Funding: loans stand at 66.96% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.21%-8 bps YoY

Net Interest Margin (quarter, annualized)

3.69%-3 bps YoY

Efficiency Ratio (quarter, annualized)

68.61%+81 bps YoY

Net Worth / Assets

12.86%+44 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.29%1.34%1.36%0.91%1.21%-8 bps
Return on Equity10.35%10.58%10.47%7.28%9.41%-95 bps
Net Interest Margin3.72%3.75%3.81%3.63%3.69%-3 bps
Efficiency Ratio67.80%65.67%66.20%70.00%68.61%+81 bps
Growth
Asset Growth (YoY)9.56%9.46%10.93%2.48%6.11%-345 bps
Loan Growth (YoY)-6.00%-2.11%0.36%2.42%-1.09%+491 bps
Share Growth (YoY)9.45%8.74%10.86%0.36%4.77%-468 bps
Asset Quality
Delinquent Loans / Loans0.66%0.70%1.00%0.90%0.75%+9 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital12.42%12.66%12.99%12.54%12.86%+44 bps
Net Worth / Assets12.42%12.66%12.99%12.54%12.86%+44 bps
Liquidity & Funding
Loans / Shares70.92%73.17%73.88%69.87%66.96%-397 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps