BlastPoint's Credit Union Scorecard

MARINE

Charter #66752 · WI

Mid-Market 1B-3B

304 CUs in 1B-3B nationally 4 in WI

View Mid-Market leaderboard →

MARINE has 3 strengths but faces 13 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

WI Analysis

How does WI stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.24% above tier average
+ Net Interest Margin 2.51% above tier average
+ Loan-to-Share Ratio: Top 2.0% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 4.6% in tier
- Liquidity Strain: Bottom 5.3% in tier
- Credit Risk Growth: Bottom 10.8% in tier
- Efficiency Drag: Bottom 14.9% in tier
- Stagnation Risk: Bottom 18.8% in tier
- Membership Headwinds: Bottom 27.6% in tier
- Efficiency ratio 6.99% above tier (higher cost structure)
- Delinquency rate 1.76% above tier average
- Total Deposits: Bottom 0.7% in tier
- Members Per Employee (MPE): Bottom 1.0% in tier
- Total Delinquency Rate (60+ days): Bottom 1.6% in tier
- First Mortgage Concentration (%): Bottom 3.3% in tier
- Total Assets: Bottom 7.9% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Members	75,462 -1.0% YoY+0.0% QoQ	-23.2K	98,678 -1.9% YoY	38,719 +8.7% YoY	33,089 +6.1% YoY	34%
Assets	$1.1B +3.5% YoY+1.5% QoQ	$-651.1M	$1.7B +0.5% YoY	$717.4M +12.8% YoY	$547.7M +7.8% YoY	Bottom 7.6% in tier
Loans	$862.1M +3.6% YoY-0.0% QoQ	$-370.9M	$1.2B +0.5% YoY	$555.6M +13.3% YoY	$388.7M +8.6% YoY	21%
Deposits	$798.1M +0.8% YoY+1.4% QoQ	$-656.2M	$1.5B +1.3% YoY	$603.1M +13.2% YoY	$464.6M +9.3% YoY	Bottom 0.3% in tier

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.9% +14.1% YoY+17.5% QoQ	+0.2%	0.7% +13.4% YoY	0.7% -20.1% YoY	0.7% +273.4% YoY	72%
NIM	5.8% +3.2% YoY+0.0% QoQ	+2.5%	3.3% +9.3% YoY	3.5% -0.2% YoY	3.7% +5.0% YoY	Top 0.3% in tier
Efficiency Ratio	81.0% +1.3% YoY+0.1% QoQ	+7.0%	74.0% -10.9% YoY	74.2% -2.5% YoY	79.1% -3.3% YoY	78%
Delinquency Rate	2.6% +16.7% YoY+14.1% QoQ	+1.8	0.8% +6.1% YoY	1.0% +20.8% YoY	1.2% -0.9% YoY	Top 1.6% in tier
Loan To Share	108.0% +2.8% YoY-1.4% QoQ	+22.8%	85.2% -0.8% YoY	80.3% +0.1% YoY	68.0% -1.7% YoY	Top 2.3% in tier
AMR	$22,001 +3.2% YoY+0.6% QoQ	$-7K	$29,172 +2.8% YoY	$22,950 +4.4% YoY	$19,418 +1.3% YoY	Bottom 14.1% in tier
CD Concentration	27.4% -2.9% YoY+2.0% QoQ	-1.5%	29.0% +0.7% YoY	21.1% +6.2% YoY	19.6% +6.2% YoY	45%
Indirect Auto %	7.3% -6.2% YoY+4.1% QoQ	-11.5%	18.8% -3.0% YoY	8.1% -7.1% YoY	7.9% -2.9% YoY	29%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (6)

Credit Quality Pressure

risk

#36 of 217 • Bottom 4.6% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.37% points

(Tier: 0.07% points, National: 0.07% points)

worse than tier avg

217 of 380 Mid-Market CUs have this signature | 1002 nationally

↓ Shrinking -70 CUs YoY | Rank improving

Liquidity Strain

risk

#29 of 183 • Bottom 5.3% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 108.02%

(Tier: 86.32%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): 3.63%

(Tier: 6.14%, National: 36.38%)

worse than tier avg

183 of 380 Mid-Market CUs have this signature | 484 nationally

↑ Growing +10 CUs YoY | Rank worsening

Credit Risk Growth

risk

#61 of 161 • Bottom 10.8% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 3.63%

(Tier: 6.14%, National: 36.38%)

worse than tier avg

Delinquency Change (YoY): 0.37% points

(Tier: 0.07% points, National: 0.07% points)

worse than tier avg

161 of 380 Mid-Market CUs have this signature | 646 nationally

↓ Shrinking -30 CUs YoY | New qualifier

Efficiency Drag

risk

#50 of 96 • Bottom 14.9% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 80.96%

(Tier: 73.43%, National: 79.10%)

worse than tier avg

ROA Change (YoY): 0.12% points

(Tier: 0.07% points, National: 0.05% points)

but better than tier avg

Member Growth (YoY): -0.96%

(Tier: 3.18%, National: 9.37%)

worse than tier avg

96 of 380 Mid-Market CUs have this signature | 624 nationally

↓ Shrinking -32 CUs YoY | New qualifier

Stagnation Risk

risk

#46 of 85 • Bottom 18.8% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -0.96%

(Tier: 3.18%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): 3.63%

(Tier: 6.14%, National: 36.38%)

worse than tier avg

Delinquency Rate: 2.58%

(Tier: 0.83%, National: 1.23%)

worse than tier avg

85 of 380 Mid-Market CUs have this signature | 648 nationally

↑ Growing +6 CUs YoY | Rank worsening

Membership Headwinds

decline

#67 of 85 • Bottom 27.6% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -0.96%

(Tier: 3.18%, National: 9.37%)

worse than tier avg

85 of 380 Mid-Market CUs have this signature | 648 nationally

↑ Growing +6 CUs YoY | Rank worsening

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Compare against:

Comparing against 304 peers in tier

Top Strengths (3 metrics)

Net Interest Margin (NIM)

profitability

Value: 5.78%

Peer Avg: -

#1 of 304 Top 0.0% in 1B-3B tier

Loan-to-Share Ratio

balance_sheet

Value: 108.02%

Peer Avg: -

#7 of 304 Top 2.0% in 1B-3B tier

Fee Income Per Member

profitability

Value: $250.71

Peer Avg: -

#77 of 304 Top 25.0% in 1B-3B tier

Top Weaknesses (10 metrics)

303

Total Deposits

balance_sheet

Value: $798.11M

Peer Avg: -

#303 of 304 Bottom 0.7% in 1B-3B tier

302

Members Per Employee (MPE)

engagement

Value: 180.531

Peer Avg: -

#302 of 304 Bottom 1.0% in 1B-3B tier

300

Total Delinquency Rate (60+ days)

risk

Value: 2.58%

Peer Avg: -

#300 of 304 Bottom 1.6% in 1B-3B tier

295

First Mortgage Concentration (%)

balance_sheet

Value: 65.10%

Peer Avg: -

#295 of 304 Bottom 3.3% in 1B-3B tier

281

Total Assets

balance_sheet

Value: $1.07B

Peer Avg: -

#281 of 304 Bottom 7.9% in 1B-3B tier

261

Average Member Relationship (AMR)

engagement

Value: $22,001

Peer Avg: -

#261 of 304 Bottom 14.5% in 1B-3B tier

250

Deposit Growth Rate

growth

Value: 0.81%

Peer Avg: -

#250 of 304 Bottom 18.1% in 1B-3B tier

241

Member Growth Rate

growth

Value: -0.96%

Peer Avg: -

#241 of 304 Bottom 21.1% in 1B-3B tier

240

Total Loans

balance_sheet

Value: $862.14M

Peer Avg: -

#240 of 304 Bottom 21.4% in 1B-3B tier

239

Efficiency Ratio

profitability

Value: 80.96%

Peer Avg: -

#239 of 304 Bottom 21.7% in 1B-3B tier