Side-by-side · Q2 2026 data
McU Financial Center Credit Union vs 1st Class Express Credit Union
Credit union
McU Financial Center Credit Union
Racine, Wisconsin · Under $100 million in assets
Credit union
1st Class Express Credit Union
Waukesha, Wisconsin · Under $100 million in assets
Metric by metric
| Measure | McU Financial Center Credit Union | 1st Class Express Credit Union |
|---|---|---|
| TellerScore | 64 | 86 (stronger) |
| Capital cushion | 56 | 100 (stronger) |
| Loan quality | 78 | 90 (stronger) |
| Earnings | 39 | 64 (stronger) |
| Funding & liquidity | 75 (stronger) | 70 |
| Problem-loan coverage | 90 | 98 (stronger) |
| Peer percentile | 28th | 80th |
| Total assets | $31.2M | $2.1M |
| Deposits / shares | $27.8M | $1.6M |
| Capital ratio | 10.56% | 22.89% (stronger) |
| Problem loans | 0.67% | 0.30% (stronger) |
| Net charge-offs | 0.37% | -5.46% (stronger) |
| Return on assets | 0.47% | 1.10% (stronger) |
| Loans ÷ deposits | 85.6% (stronger) | 90.7% |
| Uninsured deposits | 1.2% | 0.0% (stronger) |
| Offices | 1 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
1st Class Express Credit Union has the higher TellerScore (86 vs 64). On the 7 directional measures above (where higher or lower is clearly better), McU Financial Center Credit Union leads on 1 and 1st Class Express Credit Union on 6. 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.