Bay Shore
Marinette, WI · Charter 66549 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$48.2MAssets
$19.5MLoans
$38.7MShares
$9.0MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 83% of credit unions under $1B in assets (rank 292 of 1683).
- Widest gap: net interest margin trails 41% of credit unions under $1B in assets (rank 682 of 1683).
- Overall: at or above the peer median on 7 of 7 directional measures.
Return on Assets
1.27%
Rank 363 of 1,683
Net Interest Margin
3.99%
Rank 682 of 1,683
Efficiency Ratio
72.43%
Rank 562 of 1,682
Equity / Assets
18.65%
Rank 292 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.27% | 0.35% | 0.74% | 1.18% | Beats 78% | 363 / 1,683 | |
| Return on Equity | 6.80% | 2.67% | 5.89% | 8.74% | Beats 59% | 692 / 1,681 | |
| Net Interest Margin | 3.99% | 3.31% | 3.82% | 4.32% | Beats 59% | 682 / 1,683 | |
| Efficiency Ratio | 72.43% | 68.91% | 78.20% | 86.93% | Beats 67% | 562 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.27% | 0.26% | 0.65% | 1.29% | Beats 75% | 425 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 18.65% | 10.44% | 12.89% | 16.53% | Beats 83% | 292 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 18.65% | 10.44% | 12.89% | 16.53% | Beats 83% | 292 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 50.36% | 52.61% | 69.38% | 83.50% | 22nd pctl | 1,317 / 1,683 | |
| Loans / Assets | 40.42% | 44.71% | 59.18% | 70.72% | 20th pctl | 1,354 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |