Side-by-side · Q2 2026 data
Lco Federal Credit Union vs Racine Municipal Employees Credit Union
Credit union
Racine Municipal Employees Credit Union
Racine, Wisconsin · Under $100 million in assets
Metric by metric
| Measure | Lco Federal Credit Union | Racine Municipal Employees Credit Union |
|---|---|---|
| TellerScore | 85 (stronger) | 79 |
| Capital cushion | 87 (stronger) | 79 |
| Loan quality | 89 (stronger) | 75 |
| Earnings | 60 | 68 (stronger) |
| Funding & liquidity | 100 (stronger) | 93 |
| Problem-loan coverage | 98 (stronger) | 93 |
| Peer percentile | 77th | 62nd |
| Total assets | $2.9M | $25.9M |
| Deposits / shares | $2.5M | $22.3M |
| Capital ratio | 13.70% (stronger) | 12.86% |
| Problem loans | 0.32% (stronger) | 0.75% |
| Net charge-offs | 0.09% (stronger) | 0.34% |
| Return on assets | 0.99% | 1.21% (stronger) |
| Loans ÷ deposits | 40.4% (stronger) | 67.0% |
| Uninsured deposits | 9.5% | 2.2% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Lco Federal Credit Union has the higher TellerScore (85 vs 79). On the 7 directional measures above (where higher or lower is clearly better), Lco Federal Credit Union leads on 5 and Racine Municipal Employees Credit Union on 2. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.