BlastPoint's Credit Union Scorecard
MARINE
Charter #66752 · WI
MARINE has 3 strengths but faces 8 concerns
How does the industry compare?
What's your peer group doing?
How does WI stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 26.6% in tier
- + Net Interest Margin 2.10% above tier average
- + Loan-to-Share Ratio: Top 3.7% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 5.3% in tier
- - Efficiency Drag: Bottom 16.0% in tier
- - Efficiency ratio 8.51% above tier (higher cost structure)
- - Delinquency rate 1.40% above tier average
- - Members Per Employee (MPE): Bottom 0.7% in tier
- - Total Deposits: Bottom 2.0% in tier
- - Total Delinquency Rate (60+ days): Bottom 3.3% in tier
- - First Mortgage Concentration (%): Bottom 3.7% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 300 credit unions with $1B-$3B in assets nationally, and 1 of 5 that size in Wisconsin.
- Shares and deposits +7.5% year over year ($846M in shares and deposits).
- Membership: 75,288 members, -0.2% vs a year ago.
- Delinquency rate 2.26%.
- Return on assets 0.82%.
- Efficiency ratio 81.53% vs a 73.02% peer average.
- Loan-to-share ratio 106.17% vs a 84.71% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
75,288
-0.2% YoY+0.6% QoQ
|
-21.6K |
96,861
-1.9% YoY
|
40,085
+5.1% YoY
|
34,678
+6.6% YoY
|
34% |
| Assets |
$1.1B
+8.3% YoY+3.2% QoQ
|
$-583.9M |
$1.7B
+0.4% YoY
|
$782.0M
+12.1% YoY
|
$593.1M
+10.2% YoY
|
17% |
| Loans |
$898.0M
+4.1% YoY+3.2% QoQ
|
$-336.2M |
$1.2B
+0.7% YoY
|
$600.2M
+11.1% YoY
|
$418.6M
+10.1% YoY
|
26% |
| Deposits |
$845.9M
+7.5% YoY+4.1% QoQ
|
$-617.5M |
$1.5B
+0.5% YoY
|
$658.6M
+12.2% YoY
|
$504.8M
+10.3% YoY
|
Bottom 1.7% in tier |
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| ROA |
0.8%
+1.6% YoY-9.1% QoQ
|
+0.0% |
0.8%
+27.6% YoY
|
1.0%
+81.4% YoY
|
1.2%
+121.4% YoY
|
55% |
| NIM |
5.5%
-4.4% YoY-0.2% QoQ
|
+2.1% |
3.4%
+6.6% YoY
|
3.7%
+9.7% YoY
|
3.8%
+2.3% YoY
|
Top 0.3% in tier |
| Efficiency Ratio |
81.5%
+0.8% YoY+0.6% QoQ
|
+8.5% |
73.0%
-2.7% YoY
|
75.5%
-0.0% YoY
|
83.0%
-5.3% YoY
|
83% |
| Delinquency Rate |
2.3%
-0.1% YoY+19.3% QoQ
|
+1.4 |
0.9%
+7.3% YoY
|
0.8%
-17.5% YoY
|
1.3%
+2.6% YoY
|
Bottom 3.3% in tier |
| Loan To Share |
106.2%
-3.1% YoY-0.8% QoQ
|
+21.5% |
84.7%
+0.1% YoY
|
79.3%
-0.8% YoY
|
66.4%
-1.4% YoY
|
Top 4.0% in tier |
| AMR |
$23,163
+5.9% YoY+3.1% QoQ
|
$-6K |
$29,575
+1.5% YoY
|
$24,272
+7.8% YoY
|
$20,028
-0.9% YoY
|
19% |
| CD Concentration |
27.5%
+2.2% YoY+7.7% QoQ
|
-1.6% | 29.1% | 21.6% | 20.0% | 44% |
| Indirect Auto % |
6.7%
-4.6% YoY-2.1% QoQ
|
-11.4% | 18.1% | 8.4% | 7.7% | 28% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (2)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)