BlastPoint's Credit Union Scorecard
MARINE
Charter #66752 · WI
MARINE has 3 strengths but faces 13 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.22% above tier average
- + Net Interest Margin 2.40% above tier average
- + Loan-to-Share Ratio: Top 2.6% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 12.9% in tier
- - Liquidity Strain: Bottom 23.0% in tier
- - Credit Risk Growth: Bottom 46.6% in tier
- - Efficiency Drag: Bottom 51.7% in tier
- - Stagnation Risk: Bottom 65.5% in tier
- - Membership Headwinds: Bottom 95.2% in tier
- - Efficiency ratio 7.11% above tier (higher cost structure)
- - Delinquency rate 1.73% 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 2.6% in tier
- - First Mortgage Concentration (%): Bottom 3.3% in tier
- - Total Assets: Bottom 8.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
74,909
-0.7% YoY-0.7% QoQ
|
-22.5K |
97,431
-2.4% YoY
|
38,882
+6.1% YoY
|
33,374
+5.7% YoY
|
34% |
| Assets |
$1.1B
+5.2% YoY+1.9% QoQ
|
$-634.1M |
$1.7B
+0.9% YoY
|
$734.5M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
Bottom 8.6% in tier |
| Loans |
$863.4M
+2.9% YoY+0.1% QoQ
|
$-371.0M |
$1.2B
+0.5% YoY
|
$568.1M
+11.9% YoY
|
$397.0M
+8.8% YoY
|
22% |
| Deposits |
$806.5M
+2.8% YoY+1.1% QoQ
|
$-652.8M |
$1.5B
+0.9% YoY
|
$617.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
Bottom 0.3% in tier |
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| ROA |
0.9%
+17.9% YoY-4.4% QoQ
|
+0.2% |
0.7%
+20.9% YoY
|
0.9%
+14.0% YoY
|
0.7%
+15.9% YoY
|
70% |
| NIM |
5.7%
+0.7% YoY-1.7% QoQ
|
+2.4% |
3.3%
+9.2% YoY
|
3.7%
+4.8% YoY
|
3.8%
+5.1% YoY
|
Top 0.3% in tier |
| Efficiency Ratio |
81.2%
+0.6% YoY+0.3% QoQ
|
+7.1% |
74.1%
-9.5% YoY
|
75.8%
-1.1% YoY
|
79.7%
-3.3% YoY
|
78% |
| Delinquency Rate |
2.6%
+19.3% YoY+1.8% QoQ
|
+1.7 |
0.9%
+6.2% YoY
|
1.5%
+86.3% YoY
|
1.3%
-2.1% YoY
|
Top 2.6% in tier |
| Loan To Share |
107.1%
+0.1% YoY-0.9% QoQ
|
+22.3% |
84.8%
-0.8% YoY
|
80.0%
-0.6% YoY
|
67.4%
-1.7% YoY
|
Top 3.0% in tier |
| AMR |
$22,293
+3.6% YoY+1.3% QoQ
|
$-7K |
$29,428
+2.4% YoY
|
$23,366
+4.9% YoY
|
$19,687
+2.0% YoY
|
16% |
| CD Concentration |
27.4%
-1.4% YoY-0.1% QoQ
|
-1.6% | 29.0% | 21.5% | 19.8% | 43% |
| Indirect Auto % |
7.1%
-4.7% YoY-3.1% QoQ
|
-11.2% | 18.3% | 8.0% | 7.8% | 30% |
Signature Analysis
Strengths (0)
Concerns (6)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)