Mcu Financial Center
Racine, WI · Charter 66878 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
$31.2MAssets
$23.8MLoans
$27.8MShares
$3.3MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 61% of credit unions under $1B in assets (rank 652 of 1683).
- Widest gap: equity / assets trails 74% of credit unions under $1B in assets (rank 1246 of 1683).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
0.47%
Rank 1,171 of 1,683
Net Interest Margin
4.03%
Rank 652 of 1,683
Efficiency Ratio
85.71%
Rank 1,209 of 1,682
Equity / Assets
10.56%
Rank 1,246 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.47% | 0.35% | 0.74% | 1.18% | Beats 30% | 1,171 / 1,683 | | |
| Return on Equity | 4.43% | 2.67% | 5.89% | 8.74% | Beats 39% | 1,031 / 1,681 | | |
| Net Interest Margin | 4.03% | 3.31% | 3.82% | 4.32% | Beats 61% | 652 / 1,683 | | |
| Efficiency Ratio | 85.71% | 68.91% | 78.20% | 86.93% | Beats 28% | 1,209 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.66% | 0.26% | 0.65% | 1.29% | Beats 49% | 852 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.56% | 10.44% | 12.89% | 16.53% | Beats 26% | 1,246 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.56% | 10.44% | 12.89% | 16.53% | Beats 26% | 1,246 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 85.59% | 52.61% | 69.38% | 83.50% | 79th pctl | 360 / 1,683 | | |
| Loans / Assets | 76.20% | 44.71% | 59.18% | 70.72% | 86th pctl | 244 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |