MCU Financial Center

Racine, WI · 2 · Charter #66878 · www.mcucreditunion.com
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$30.1M
77th percentile
Members
2,751
80th percentile
Total loans
$23.5M
93th percentile
Total shares
$24.8M
77th percentile

Profitability

Return on assets
1.11%
64th percentile
Net interest margin
4.33%
63th percentile
Efficiency ratio
68.43%
46th percentile
Non-interest income ratio
10.53%
55th percentile

Capital & Risk

Net worth ratio
10.69%
20th percentile
Delinquency rate
0.64%
53th percentile
Net charge-off rate
0.31%
43th percentile
Loan-to-share
94.93%
91th percentile

Growth

Member growth YoY
1.44%
80th percentile
Asset growth YoY
1.29%
51th percentile
Loan growth YoY
7.99%
86th percentile
Share growth YoY
-3.27%
28th percentile

Operations

Members / branch
1,376
60th percentile
Assets / member
$10,956
64th percentile
Field of membership penetration
0.76%
5th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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