Racine Municipal Employees Credit Union is a federally insured state-chartered credit union headquartered in Racine, Wisconsin, in business for about 73 years. At the end of Q2 2026 it reported $25.9M in total assets and $22.3M in member shares and deposits, with 1 office.
Based on its Q2 2026 filing, Racine Municipal Employees Credit Union scores 79/100, which we describe as strong. That is higher than 62% of 2,479 credit unions with under $100 million in assets. Among 98 credit unions headquartered in Wisconsin, it ranks 31st. Its strongest component is funding & liquidity (93/100; 67% loans-to-deposits, 2% uninsured), and its lowest is earnings (68/100; 1.21%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (79 → 79).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 64 |
| Q3 2024 | 72 |
| Q4 2024 | 76 |
| Q1 2025 | 76 |
| Q2 2025 | 79 |
| Q3 2025 | 79 |
| Q4 2025 | 77 |
| Q1 2026 | 74 |
| Q2 2026 | 79 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 12.61% |
| Q3 2024 | 12.60% |
| Q4 2024 | 13.03% |
| Q1 2025 | 11.66% |
| Q2 2025 | 12.40% |
| Q3 2025 | 12.64% |
| Q4 2025 | 12.99% |
| Q1 2026 | 12.54% |
| Q2 2026 | 12.86% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 1.55% |
| Q3 2024 | 0.74% |
| Q4 2024 | 0.53% |
| Q1 2025 | 0.46% |
| Q2 2025 | 0.66% |
| Q3 2025 | 0.70% |
| Q4 2025 | 1.00% |
| Q1 2026 | 0.90% |
| Q2 2026 | 0.75% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.68% |
| Q3 2024 | 0.62% |
| Q4 2024 | 0.75% |
| Q1 2025 | 0.99% |
| Q2 2025 | 1.29% |
| Q3 2025 | 1.34% |
| Q4 2025 | 1.36% |
| Q1 2026 | 0.91% |
| Q2 2026 | 1.21% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 79 | $25.9M | 12.86% | 0.75% | 1.21% | 67.0% |
| Q1 2026 | 74 | $25.8M | 12.54% | 0.90% | 0.91% | 69.9% |
| Q4 2025 | 77 | $24.4M | 12.99% | 1.00% | 1.36% | 73.9% |
| Q3 2025 | 79 | $24.7M | 12.64% | 0.70% | 1.34% | 73.2% |
| Q2 2025 | 79 | $24.4M | 12.40% | 0.66% | 1.29% | 70.9% |
| Q1 2025 | 76 | $25.2M | 11.66% | 0.46% | 0.99% | 68.5% |
| Q4 2024 | 76 | $22.0M | 13.03% | 0.53% | 0.75% | 81.6% |
| Q3 2024 | 72 | $22.5M | 12.60% | 0.74% | 0.62% | 81.3% |
| Q2 2024 | 64 | $22.3M | 12.61% | 1.55% | 0.68% | 82.6% |
2,479 peers · Under $100 million in assets
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in Wisconsin
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| McU Financial Center Credit UnionCredit union Racine, WI | 64 out of 100, Moderate | $31.2M | 10.6% | 0.67% | vs |
| Oshkosh Community Credit UnionCredit union Oshkosh, WI | 69 out of 100, Moderate | $20.3M | 11.2% | 0.24% | vs |
| Holy Family Memorial Credit UnionCredit union Manitowoc, WI | 75 out of 100, Strong | $19.7M | 11.1% | 0.09% | vs |
| M.E. Employees Credit UnionCredit union Wausau, WI | 62 out of 100, Moderate | $19.0M | 9.8% | 0.42% | vs |
| Lakewood Credit UnionCredit union Rib Lake, WI | 47 out of 100, Below average | $16.0M | 10.9% | 1.91% | vs |
| Meadowland Credit UnionCredit union Sheboygan Falls, WI | 52 out of 100, Below average | $35.9M | 8.1% | 0.80% | vs |
Deposit insurance
Is my money safe at Racine Municipal Employees Credit Union?
Yes. Racine Municipal Employees Credit Union is a federally insured credit union (NCUA charter #66622). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 2.2% of shares and deposits ($489K) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 12.86%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Racine Municipal Employees Credit Union lists 1 office in 1 city. Most locations:
- Racine, WI (1)
Identity & history
Profile
- Legal name
- Racine Municipal Employees Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 66622
- RSSD ID
- 726391
- Primary regulator
- State + NCUA
- Established
- 1953
- Headquarters
- 1907 Lathrop Avenue, Racine, WI 53405
- Employees
- 6
Quick answers
Racine Municipal Employees Credit Union: common questions
Is Racine Municipal Employees Credit Union NCUA insured?
Yes. Racine Municipal Employees Credit Union is a federally insured credit union (NCUA charter #66622). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is Racine Municipal Employees Credit Union's TellerScore?
79 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does Racine Municipal Employees Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Racine
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Ferko Md Federal Credit UnionCredit union Frederick, MD | 94 out of 100, Very strong | $30.1M | 19.4% | 0.58% | vs |
| Rome Kraft Employees Credit UnionCredit union Coosa, GA | 89 out of 100, Very strong | $23.0M | 24.7% | 0.49% | vs |
| Peoria Fire Fighters Credit UnionCredit union Peoria, IL | 87 out of 100, Very strong | $4.6M | 28.2% | 0.00% | vs |
| Flexpak Federal Credit UnionCredit union Woods Cross, UT | 87 out of 100, Very strong | $1.9M | 19.9% | 0.00% | vs |
| 1st Class Express Credit UnionCredit union Waukesha, WI | 86 out of 100, Very strong | $2.1M | 22.9% | 0.30% | vs |
| Lco Federal Credit UnionCredit union Hayward, WI | 85 out of 100, Very strong | $2.9M | 13.7% | 0.32% | vs |