RACINE MUNICIPAL EMPLOYEES
Charter #66622 · Racine, WI · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 1,894 sits at the 23rd percentile of structural peers — worth a closer look.
- Net interest margin of 3.73% sits at the 20th percentile of structural peers — worth a closer look.
- On Net interest margin, the asset-size band puts this credit union at the 44th percentile but its structural peers at the 20th — a 25-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | RACINE MUNICIPAL EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $25.79M | 52th pct | 44th pct |
| Members | 1,894 | 42th pct | 23th pct |
| Net worth ratio | 12.54% | 41th pct | 44th pct |
| Return on average assets | 0.94% | 65th pct | 62th pct |
| Net interest margin | 3.73% | 44th pct | 20th pct |
| Cost of funds | 0.80% | 48th pct | 43th pct |
| Loan-to-share | 69.87% | 70th pct | 61th pct |
| Delinquency 60+ days | 0.90% | 65th pct | 62th pct |
| Net charge-off ratio | 0.60% | 75th pct | 70th pct |
| Loan growth YoY | -0.35% | 68th pct | 57th pct |
| Share growth YoY | 4.35% | 69th pct | 59th pct |
| Efficiency ratio | 70.00% | 26th pct | 26th pct |
structural peer set hash: 595e441d62ddc0f9108d5a6bbf40501d… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.