Shoreline
Two Rivers, WI · Charter 66447 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
$160.0MAssets
$114.3MLoans
$129.7MShares
$16.2MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 67% of credit unions under $1B in assets (rank 551 of 1682).
- Widest gap: efficiency ratio trails 79% of credit unions under $1B in assets (rank 1335 of 1682).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
0.55%
Rank 1,074 of 1,683
Net Interest Margin
3.65%
Rank 993 of 1,683
Efficiency Ratio
88.79%
Rank 1,335 of 1,682
Equity / Assets
10.12%
Rank 1,318 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.55% | 0.35% | 0.74% | 1.18% | Beats 36% | 1,074 / 1,683 | | |
| Return on Equity | 5.42% | 2.67% | 5.89% | 8.74% | Beats 46% | 910 / 1,681 | | |
| Net Interest Margin | 3.65% | 3.31% | 3.82% | 4.32% | Beats 41% | 993 / 1,683 | | |
| Efficiency Ratio | 88.79% | 68.91% | 78.20% | 86.93% | Beats 21% | 1,335 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.38% | 0.26% | 0.65% | 1.29% | Beats 67% | 551 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.12% | 10.44% | 12.89% | 16.53% | Beats 22% | 1,318 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.12% | 10.44% | 12.89% | 16.53% | Beats 22% | 1,318 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 88.14% | 52.61% | 69.38% | 83.50% | 83rd pctl | 281 / 1,683 | | |
| Loans / Assets | 71.44% | 44.71% | 59.18% | 70.72% | 76th pctl | 397 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |