State credit union · Racine, Wisconsin · NCUA charter #66878
Mcu Financial Center
Health score 94/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 94
- Health / 100
- $30.1M
- Total assets
- 2,751
- Members
- 10.7%
- Net-worth ratio
Mcu Financial Center - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #66878: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Mcu Financial Center - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)95
- Earnings (ROA)100
- Member growth72
- Liquidity (loan-to-share)100
Weighted composite: 94/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 10.69% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 10.69% | 30% |
| Delinquency Rate | 0.64% | 25% |
| Return on Assets | 0.59% | 15% |
| Member Growth | 1.44% | 15% |
| Loan-to-Share Ratio | 87.86% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $30.1M | 2,751 |
| 2024Q4 | $29.8M | 2,712 |
| 2023Q4 | $28.9M | 2,775 |
Credit Union Details
- Charter Number
- 66878
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Wisconsin
- City
- Racine
- Data Quarter
- 2025Q4
What This Data Says About Mcu Financial Center
The five-factor composite scores Mcu Financial Center at 94/100 (Excellent), reflecting a net worth ratio of 10.69% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This state credit union, headquartered in Racine, Wisconsin, reports 2,751 members, $30.1M in total assets, and $23.5M in outstanding loans as of Q4 2025 under charter #66878 (peer group $10M–$50M, a cohort of 1163 similarly-sized institutions).
Loan book quality rounds out the picture. The delinquency rate of 0.64% measures loans 60+ days past due against total loans outstanding - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers. The loan-to-share ratio of 87.86% indicates how aggressively member deposits are being deployed into lending, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.59% on net income of $179K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 1.44%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Other); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
Nearby Credit Unions in Wisconsin
More federally-insured credit unions based in Wisconsin, ordered by peer group match and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Mcu Financial Center financially healthy?
A 10.69% net worth ratio and a 0.64% delinquency rate feed into Mcu Financial Center's financial health score of 94/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Mcu Financial Center compare to other credit unions?
On PlainCU's health composite, Mcu Financial Center lands at 94/100, compared to a peer group average for $10M–$50M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Mcu Financial Center?
Membership eligibility for Mcu Financial Center depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Mcu Financial Center directly for current membership requirements and application steps.
Is my money safe at Mcu Financial Center?
Federal credit unions like Mcu Financial Center are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Mcu Financial Center's net worth ratio of 10.69% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Mcu Financial Center offer compared to banks?
Credit unions like Mcu Financial Center are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Mcu Financial Center directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.