Bay Shore

MARINETTE, WI · 2 · Charter #66549 · www.bayshorecu.org
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$46.3M
97th percentile
Members
3,322
88th percentile
Total loans
$19.6M
88th percentile
Total shares
$37.2M
95th percentile

Profitability

Return on assets
1.67%
84th percentile
Net interest margin
4.22%
60th percentile
Efficiency ratio
61.30%
62th percentile
Non-interest income ratio
16.34%
74th percentile

Capital & Risk

Net worth ratio
18.78%
69th percentile
Delinquency rate
0.22%
69th percentile
Net charge-off rate
0.18%
53th percentile
Loan-to-share
52.70%
38th percentile

Growth

Member growth YoY
-0.78%
57th percentile
Asset growth YoY
6.61%
82th percentile
Loan growth YoY
1.98%
70th percentile
Share growth YoY
6.44%
82th percentile

Operations

Members / branch
3,322
94th percentile
Assets / member
$13,928
81th percentile
Field of membership penetration
3.29%
15th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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