MARINE

Charter #66752 | WI

1B-3B (304 CUs) Mid-Market (380 CUs)
4 1B-3B in WI

MARINE has 6 strengths but faces 14 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 18.3% in tier
  • + Wallet Share Momentum: Top 23.7% in tier
  • + Relationship Depth Leader: Top 26.6% in tier
  • + 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
  • - Growth-at-Risk: 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
  • - Liquidity Overhang: Bottom 34.6% 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
 34th in tier
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
 Bottom 21.1% in tier
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
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
 72nd in tier
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
 Top 21.7% in tier
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%
+0.8% YoY
 21.1%
+6.2% YoY
 19.6%
+6.2% YoY
 45th in tier
Indirect Auto % 7.3%
-6.2% YoY+4.1% QoQ
 -11.5% 18.8%
-2.8% YoY
 8.1%
-7.1% YoY
 7.9%
-2.9% YoY
 29th in tier

Signature Analysis

Strengths (3)

Emerging Performer

growth
#98 of 184 • Top 18.3% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 0.94%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Member Growth (YoY): -0.96%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
184 of 380 Mid-Market CUs have this signature | 852 nationally
↑ Growing +18 CUs YoY | Rank worsening

Wallet Share Momentum

growth
#172 of 264 • Top 23.7% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 3.24%
(Tier: 3.04%, National: 4.19%)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank worsening

Relationship Depth Leader

growth
#193 of 264 • Top 26.6% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 3.24%
(Tier: 3.04%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.6K
(Tier: $3.1K, National: $2.0K)
but worse than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank worsening

Concerns (7)

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: 86.35%, 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

Growth-at-Risk

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: 73.45%, 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 is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 0.94%
(Tier: 0.71%, National: 0.71%)
but better than tier avg
Member Growth (YoY): -0.96%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $22.0K
(Tier: $29.2K, National: $19.4K)
worse than tier avg
CD Concentration: 27.44%
(Tier: 28.98%, National: 19.60%)
but better 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

Liquidity Overhang

risk
#112 of 113 • Bottom 34.6% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 12.40%
(Tier: 11.30%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 108.02%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
113 of 380 Mid-Market CUs have this signature | 691 nationally
↑ Growing +9 CUs YoY | New qualifier

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)

Comparing against 304 peers in tier

Top Strengths (3 metrics)

1
Net Interest Margin (NIM)
profitability
Value: 5.78%
Peer Avg: 3.26%
#1 of 304 Top 0.0% in 1B-3B tier
7
Loan-to-Share Ratio
balance_sheet
Value: 108.02%
Peer Avg: 85.19%
#7 of 304 Top 2.0% in 1B-3B tier
77
Fee Income Per Member
profitability
Value: $250.71
Peer Avg: $210.52
#77 of 304 Top 25.0% in 1B-3B tier

Top Weaknesses (10 metrics)

303
Total Deposits
balance_sheet
Value: $798.11M
Peer Avg: $1.45B
#303 of 304 Bottom 0.7% in 1B-3B tier
302
Members Per Employee (MPE)
engagement
Value: 180.531
Peer Avg: 364.953
#302 of 304 Bottom 1.0% in 1B-3B tier
300
Total Delinquency Rate (60+ days)
risk
Value: 2.58%
Peer Avg: 0.83%
#300 of 304 Bottom 1.6% in 1B-3B tier
295
First Mortgage Concentration (%)
balance_sheet
Value: 65.10%
Peer Avg: 34.01%
#295 of 304 Bottom 3.3% in 1B-3B tier
281
Total Assets
balance_sheet
Value: $1.07B
Peer Avg: $1.72B
#281 of 304 Bottom 7.9% in 1B-3B tier
261
Average Member Relationship (AMR)
engagement
Value: $22,001
Peer Avg: $29,172
#261 of 304 Bottom 14.5% in 1B-3B tier
250
Deposit Growth Rate
growth
Value: 0.81%
Peer Avg: 5.58%
#250 of 304 Bottom 18.1% in 1B-3B tier
241
Member Growth Rate
growth
Value: -0.96%
Peer Avg: 2.20%
#241 of 304 Bottom 21.1% in 1B-3B tier
240
Total Loans
balance_sheet
Value: $862.14M
Peer Avg: $1.23B
#240 of 304 Bottom 21.4% in 1B-3B tier
239
Efficiency Ratio
profitability
Value: 80.96%
Peer Avg: 73.97%
#239 of 304 Bottom 21.7% in 1B-3B tier