Credit Union Safety Analysis
Is Mcu Financial Center Credit Union Safe? Racine, Wisconsin
Based on its Q2 2026 NCUA 5300 call report, Mcu Financial Center Credit Union has a net worth ratio of 10.56%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.67%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Mcu Financial Center Credit Union's net worth ratio is 10.56%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 10.56%
- Delinquency ratio (60+ days) (Q2 2026): 0.67%
- Return on assets (Q2 2026): 0.41%
- Loan-to-share ratio (Q2 2026): 85.59%
Mcu Financial Center Credit Union (NCUA charter 66878, established 1939) reported $31.2M in assets and 2,722 members for Q2 2026 from Racine, Wisconsin. It ranks 77 of 98 credit unions in Wisconsin by total assets. Total assets grew 3.2% from $30.2M on June 30, 2025. It has 88 fewer members than on June 30, 2025 (-3.1%). Its net worth ratio was up 0.28 percentage points from 10.28% on June 30, 2025. Used vehicle loans are its largest loan category, $13.9M of $23.8M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.67% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 10.61% for Q1 2026; 10.28% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 0.65% for Q1 2026; 0.99% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 0.53% for Q1 2026; 0.81% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 85.88% for Q1 2026; 81.97% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $13.9M
- New vehicle loans: $4.5M
- 1- to 4-family residential and other consumer real estate loans: $4.3M
- Other unsecured loans and lines of credit: $438K
- Unsecured credit card loans: $414K
- Other secured non-real estate loans and lines of credit: $218K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $31.2M | 10.56% | 0.67% | 0.41% | 85.59% |
| March 31, 2026 | $30.7M | 10.61% | 0.65% | 0.53% | 85.88% |
| December 31, 2025 | $30.1M | 10.69% | 0.64% | 0.70% | 87.86% |
| September 30, 2025 | $30.2M | 10.47% | 0.72% | 0.78% | 86.86% |
| June 30, 2025 | $30.2M | 10.28% | 0.99% | 0.81% | 81.97% |
| March 31, 2025 | $30.5M | 10.07% | 0.68% | 0.75% | 79.98% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Mcu Financial Center Credit Union profile
Regulator records: NCUA credit union profile (charter 66878) · FFIEC NIC profile (RSSD 44992)
Frequently asked questions
Is Mcu Financial Center Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Mcu Financial Center Credit Union's net worth ratio is 10.56%, above the 7% NCUA threshold for well capitalized.
Is Mcu Financial Center Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Mcu Financial Center Credit Union is a federally insured credit union (NCUA charter 66878): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Mcu Financial Center Credit Union's key safety ratios?
For Q2 2026, Mcu Financial Center Credit Union reports net worth 10.56%, delinquency 0.67%, ROA 0.41%, loan-to-share 85.59%.
What happens to my money if Mcu Financial Center Credit Union fails?
For Q2 2026, Mcu Financial Center Credit Union held $27.8M in shares and deposits for 2,722 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.