Shoreline

Two Rivers, WI · 2 · Charter #66447 · www.shorelinecu.org
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$150.8M
73th percentile
Members
7,964
53th percentile
Total loans
$113.4M
83th percentile
Total shares
$114.2M
65th percentile

Profitability

Return on assets
3.01%
99th percentile
Net interest margin
3.63%
48th percentile
Efficiency ratio
51.15%
81th percentile
Non-interest income ratio
44.69%
99th percentile

Capital & Risk

Net worth ratio
10.48%
29th percentile
Delinquency rate
0.88%
41th percentile
Net charge-off rate
0.08%
88th percentile
Loan-to-share
99.30%
95th percentile

Growth

Member growth YoY
2.73%
84th percentile
Asset growth YoY
17.38%
97th percentile
Loan growth YoY
18.92%
96th percentile
Share growth YoY
3.53%
52th percentile

Operations

Members / branch
1,991
21th percentile
Assets / member
$18,941
80th percentile
Field of membership penetration
0.73%
11th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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