State credit union · Racine, Wisconsin · NCUA charter #66878
Mcu Financial Center
Health score 94/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 94
- Health / 100
- $30.1M
- Total assets
- 2,751
- Members
- 10.6%
- Net-worth ratio
Mcu Financial Center scores 94/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $30.1M; members 2,751; net-worth ratio 10.61%; health rank #531 of 4,374; healthier than 87th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#531 of 4,374 health · 2025Q4Mcu Financial Center · health 94/100 · $30.1M · 2025Q4
- ASSETS 94/100
- MEM 10.6%
- RANK 0.64%
- PHOTO 0.59%
- BOOK $30.1M
- CHARTER 2,751
- NCUSIF #531/4,374
- CAMELS UNITED
- HEALTH 66878
Call Report peers
Mcu Financial Center in the assets neighbourhood
Mcu Financial Center's $30.1M assets sit next to UNITED ($30.1M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Mcu Financial Center vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
94 Top 13% higher than 87% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
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.
Peer-gap read for Mcu Financial Center
- Largest favorable gap: Loan-to-Share Ratio at 87.86% vs peer 59.80% (+28.06 pp).
- Widest shortfall vs peers is Net Worth Ratio: -4.25 pp (10.61% vs 14.86%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Mcu Financial Center sits in Wisconsin
- In Wisconsin, health place is #20 of 100 on the same NCUA-ratio sort used nationally.
- Assets rank #77 of 100 inside Wisconsin ($30.1M reported).
- Membership ranks #74 of 100 among Wisconsin CUs with a reported count (2,751 members).
In-state ordinals use the live credit_unions table for WI only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Mcu Financial Center Call Report trajectory
Mcu Financial Center: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.0% from $30.1M (2025Q4) to $30.7M (2026Q1).
- Net-worth ratio shifted -0.08 pp (10.69% → 10.61%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 10.61% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 94/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 94.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 23.6 pts
- Return on Assets 15.0 pts
- Member Growth 10.7 pts
- Loan-to-Share Ratio 14.7 pts
Mcu Financial Center health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.61% | -4.25 pp |
| Delinquency Rate | 0.64% | -0.51 pp |
| Return on Assets | 0.59% | -0.11 pp |
| Member Growth | 1.44% | - |
| Loan-to-Share Ratio | 87.86% | +28.06 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $30.7M | - |
| 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
Branch Locations (3)
The NCUA branch filing lists 3 physical offices for Mcu Financial Center, spread across 2 cities.
| Office | City |
|---|---|
| MCU Financial Center C U (Main Office) | Mount Pleasant, WI |
| AMI | Mount Pleasant, WI |
| Racine Municipal Employees Credit Union | Racine, WI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Wisconsin
More federally-insured credit unions based in Wisconsin, ordered by peer group match and asset size.
Mcu Financial Center nationwide neighbourhoods
Cross-state asset and health neighbours for Mcu Financial Center - kept outside Wisconsin; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($30.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (94/100 here).
Using this data
- Mcu Financial Center ranks #531 of 4,374 nationally on financial health and #20 of 100 in WI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- MEADOWLAND is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with MEADOWLAND
- Rates and health both vary by institution, not just by state -- see how Wisconsin credit unions compare overall before assuming this one is typical. Wisconsin state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Mcu Financial Center financially healthy?
A 10.61% 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. On the national health ranking (same basis as /rankings/healthiest), it sits at #531 of 4,374; by total assets it ranks #2,851 of 4,374 nationally (same basis as /rankings/largest); and #77 of 100 within Wisconsin. 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 10.61% 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.
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.