PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Mcu Financial Center

Racine, WI · Charter 66878

NCUA · 2 branches

Q2 2026

$31.2MAssets
$23.8MLoans
$27.8MShares
$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 0.47%, down 31 bps year over year; NIM at 4.03%.
  • Asset quality: problem loans at 0.67% of loans (-32 bps YoY).
  • Capital: net worth / assets of 10.56%, up 28 bps from a year ago.
  • Funding: loans stand at 85.59% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.47%-31 bps YoY

Net Interest Margin (YTD, annualized)

4.03%-23 bps YoY

Efficiency Ratio (YTD, annualized)

85.75%+1,091 bps YoY

Net Worth / Assets

10.56%+28 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.78%0.78%0.76%0.53%0.47%-31 bps
Return on Equity7.59%7.45%7.13%4.97%4.42%-318 bps
Net Interest Margin4.26%4.30%4.33%4.10%4.03%-23 bps
Efficiency Ratio74.85%74.86%77.44%81.19%85.75%+1,091 bps
Growth
Asset Growth (YoY)2.30%2.34%1.29%0.81%3.17%+87 bps
Loan Growth (YoY)0.38%7.27%7.99%7.68%7.46%+708 bps
Share Growth (YoY)1.65%1.25%0.61%0.28%2.92%+128 bps
Asset Quality
Delinquent Loans / Loans0.99%0.72%0.64%0.65%0.67%-32 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 Capital10.28%10.47%10.69%10.61%10.56%+28 bps
Net Worth / Assets10.28%10.47%10.69%10.61%10.56%+28 bps
Liquidity & Funding
Loans / Shares81.97%86.86%87.86%85.88%85.59%+362 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps