MCU FINANCIAL CENTER
Charter #66878 · Racine, WI · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- On Net interest margin, the asset-size band puts this credit union at the 65th percentile but its structural peers at the 26th — a 39-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 | MCU FINANCIAL CENTER | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $30.74M | 63th pct | 67th pct |
| Members | 2,743 | 69th pct | 49th pct |
| Net worth ratio | 10.61% | 23th pct | 38th pct |
| Return on average assets | 0.53% | 43th pct | 49th pct |
| Net interest margin | 4.15% | 65th pct | 26th pct |
| Cost of funds | 0.88% | 52th pct | 39th pct |
| Loan-to-share | 85.88% | 91th pct | 80th pct |
| Delinquency 60+ days | 0.65% | 53th pct | 44th pct |
| Net charge-off ratio | 0.44% | 69th pct | 61th pct |
| Loan growth YoY | 0.56% | 75th pct | 72th pct |
| Share growth YoY | 1.70% | 41th pct | 36th pct |
| Efficiency ratio | 81.19% | 52th pct | 46th pct |
structural peer set hash: 4a38848f9b9421636efacbf111787574… (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.