M.E. EMPLOYEES
Charter #66862 · WAUSAU, WI · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 1,306 sits at the 18th percentile of structural peers — worth a closer look.
- Net interest margin of 3.16% sits at the 20th percentile of structural peers — worth a closer look.
- Cost of funds of 2.02% sits at the 77th percentile of structural peers — worth a closer look.
- Net charge-off ratio of -0.00% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- On Loan growth YoY, the asset-size band puts this credit union at the 81st percentile but its structural peers at the 62nd — a 19-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 | M.E. EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $18.41M | 32th pct | 16th pct |
| Members | 1,306 | 18th pct | 18th pct |
| Net worth ratio | 9.95% | 18th pct | 26th pct |
| Return on average assets | 0.40% | 36th pct | 36th pct |
| Net interest margin | 3.16% | 21th pct | 20th pct |
| Cost of funds | 2.02% | 90th pct | 77th pct |
| Loan-to-share | 103.55% | 99th pct | 90th pct |
| Delinquency 60+ days | 0.25% | 32th pct | 31th pct |
| Net charge-off ratio | -0.00% | 23th pct | 11th pct |
| Loan growth YoY | 1.87% | 81th pct | 62th pct |
| Share growth YoY | 1.27% | 38th pct | 33th pct |
| Efficiency ratio | 90.78% | 74th pct | 69th pct |
structural peer set hash: d13a8ca003f5eaa946e8abc37007fc78… (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.