State credit union · Racine, Wisconsin · NCUA charter #66622
Racine Municipal Employees
Health score 90/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $24.4M
- Total assets
- 1,893
- Members
- 12.5%
- Net-worth ratio
Racine Municipal Employees scores 90/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $24.4M; members 1,893; net-worth ratio 12.54%; health rank #1,101 of 4,374; healthier than 73rd of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,101 of 4,374 health · 2025Q4Racine Municipal Employees · health 90/100 · $24.4M · 2025Q4
- ASSETS 90/100
- MEM 12.5%
- RANK 1.00%
- PHOTO 0.68%
- BOOK $24.4M
- CHARTER 1,893
- NCUSIF #1,101/4,374
- CAMELS Northern Redwood
- HEALTH 66622
Call Report peers
Racine Municipal Employees in the assets neighbourhood
Racine Municipal Employees's $24.4M assets sit next to Northern Redwood ($24.5M) 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.
Racine Municipal Employees 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
90 Top 27% higher than 73% 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
Racine Municipal Employees - Share Insurance Coverage
Charter #66622's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Where Racine Municipal Employees diverges from peer averages
- Loan-to-Share Ratio leads the peer set - 73.88% here, 59.80% peer average (+14.08 pp).
- Net Worth Ratio trails the peer set - 12.54% here, 14.86% peer average (-2.32 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Racine Municipal Employees sits in Wisconsin
- In Wisconsin, health place is #39 of 100 on the same NCUA-ratio sort used nationally.
- Assets rank #78 of 100 inside Wisconsin ($24.4M reported).
- Membership ranks #79 of 100 among Wisconsin CUs with a reported count (1,893 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.
Quarter path for Racine Municipal Employees
Racine Municipal Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +5.5% from $24.4M (2025Q4) to $25.8M (2026Q1).
- Net-worth ratio shifted -0.45 pp (12.99% → 12.54%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 12.54% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 90/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 90.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 20.0 pts
- Return on Assets 15.0 pts
- Member Growth 10.0 pts
- Loan-to-Share Ratio 15.0 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.54% | -2.32 pp |
| Delinquency Rate | 1.00% | -0.14 pp |
| Return on Assets | 0.68% | -0.03 pp |
| Member Growth | 0.80% | - |
| Loan-to-Share Ratio | 73.88% | +14.08 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 | $25.8M | - |
| 2025Q4 | $24.4M | 1,893 |
| 2024Q4 | $22.0M | 1,878 |
| 2023Q4 | $21.3M | 1,857 |
Credit Union Details
- Charter Number
- 66622
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Wisconsin
- City
- Racine
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Racine Municipal Employees.
| Office | City |
|---|---|
| Main Office (Main Office) | 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.
Cross-state Call Report peers for Racine Municipal Employees
Two NCUA Call Report peer sets for Racine Municipal Employees, both outside Wisconsin so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($24.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (90/100 here).
Using this data
- Racine Municipal Employees ranks #1,101 of 4,374 nationally on financial health and #39 of 100 in WI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Dairyland Power is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Dairyland Power
- 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 Racine Municipal Employees financially healthy?
A 12.54% net worth ratio and a 1.00% delinquency rate feed into Racine Municipal Employees's financial health score of 90/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,101 of 4,374; by total assets it ranks #3,013 of 4,374 nationally (same basis as /rankings/largest); and #78 of 100 within Wisconsin. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Racine Municipal Employees compare to other credit unions?
90/100 is Racine Municipal Employees's score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 Racine Municipal Employees?
Membership eligibility for Racine Municipal Employees depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Racine Municipal Employees directly for current membership requirements and application steps.
Is my money safe at Racine Municipal Employees?
Federal credit unions like Racine Municipal Employees 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. Racine Municipal Employees's net worth ratio of 12.54% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Racine Municipal Employees offer compared to banks?
Credit unions like Racine Municipal Employees 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 Racine Municipal Employees 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.