Marine Credit Union
Total assets
$1.10B
▲ +3.9% YoY
Shares & deposits
$812.7M
▲ +1.4% YoY
Loans
$869.8M
▲ +3.3% YoY
Members
74,860
▼ -0.5% YoY
ROA (annualized)
0.90%
peers 0.71%
ROE (annualized)
7.25%
peers 6.28%
Peer comparison 450 credit unions with 1B-10B in assets
| Metric | Marine Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.9% | +5.1% | -1.2 pts |
| Share growth (YoY) | +1.4% | +4.9% | -3.4 pts |
| Loan growth (YoY) | +3.3% | +5.4% | -2.1 pts |
| ROA | 0.90% | 0.71% | +0.2 pts |
| ROE | 7.3% | 6.3% | +1.0 pts |
ROA ranks in the 66th percentile of its peer group · Q1 2026
Profile
- Established
- 1949
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- 300 2Nd St N Ste 400, La Crosse, WI, 54601
- NCUA charter #
- 66752
- RSSD ID
- 209595
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.10B | $812.7M | $869.8M | $136.9M | $2.5M | 0.90% | 5.54% | 1.89% | 74,860 |
| Q4 2025 | $1.09B | $806.5M | $863.4M | $134.4M | $9.7M | 0.89% | 5.62% | 2.63% | 74,909 |
| Q3 2025 | $1.07B | $798.1M | $862.1M | $132.5M | $7.5M | 0.94% | 5.73% | 2.58% | 75,462 |
| Q2 2025 | $1.05B | $787.2M | $862.4M | $129.2M | $4.3M | 0.81% | 5.80% | 2.26% | 75,433 |
| Q1 2025 | $1.06B | $801.4M | $841.9M | $126.7M | $1.7M | 0.65% | 5.65% | 1.85% | 75,248 |
| Q4 2024 | $1.04B | $784.7M | $839.3M | $125.0M | $7.9M | 0.76% | 5.63% | 2.20% | 75,446 |
| Q3 2024 | $1.03B | $791.7M | $831.9M | $123.7M | $6.4M | 0.82% | 5.58% | 2.21% | 76,191 |
| Q2 2024 | $1.02B | $804.9M | $826.7M | $121.6M | $4.2M | 0.83% | 5.55% | 2.07% | 76,342 |
Loan mix (Q1 2026): real estate $607.7M · commercial $1.5M · consumer $154.4M · securities $102.3M
Ratio pack Q1 2026 · peer medians from 450 institutions
Profitability
| Ratio | Marine Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.90% | 0.71% | 66th | |
Return on equity Annualized net income ÷ equity or net worth | 7.3% | 6.3% | 58th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.54% | 3.32% | 100th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.1% | 73.0% | 80th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Marine Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Marine Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Marine Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Marine Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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