State credit union · MARINETTE, Wisconsin · NCUA charter #66549
Bay Shore
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $46.3M
- Total assets
- 3,322
- Members
- 18.1%
- Net-worth ratio
Bay Shore scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $46.3M; members 3,322; net-worth ratio 18.14%; health rank #1,197 of 4,374; healthier than 69th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#1,197 of 4,374 health · 2025Q4Bay Shore · health 89/100 · $46.3M · 2025Q4
Call Report peers
Bay Shore in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Bay Shore vs every NCUA-scored credit union
Bay Shore sits in the busiest band, 85-89, alongside 857 other credit unions.
89 Top 31% higher than 69% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Bay Shore vs $10M–$50M peers
- Largest favorable gap: Net Worth Ratio at 18.14% vs peer 14.86% (+3.28 pp).
- Largest lag: Loan-to-Share Ratio at 52.70% vs peer 59.80% (-7.10 pp).
Bay Shore in Wisconsin
- In Wisconsin, health place is #46 of 100 on the same NCUA-ratio sort used nationally.
- Wisconsin assets place: #67 of 100.
- Wisconsin membership ordinal: #65 of 100.
- One place up in Wisconsin, POLICE (#45) ties at 89/100; one place down, FIREFIGHTERS (#47) ties at 89/100.
How Bay Shore's 5300 filing moved
Bay Shore: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.5% from $46.3M (2025Q4) to $48.4M (2026Q1).
- Net-worth ratio shifted -0.64 pp (18.78% → 18.14%).
At 18.14%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 89/100 score is built
Bay Shore gives up 11 points in total. Member Growth costs the most, 7.4 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 7.6 pts
- Loan-to-Share Ratio 11.4 pts
Call Report ratios for Bay Shore
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 18.14% | +3.28 pp |
| Delinquency Rate | 0.22% | -0.92 pp |
| Return on Assets | 1.89% | +1.19 pp |
| Member Growth | -0.78% | - |
| Loan-to-Share Ratio | 52.70% | -7.10 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Call Report history - Bay Shore
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $48.4M | - |
| 2025Q4 | $46.3M | 3,322 |
| 2024Q4 | $43.4M | 3,348 |
| 2023Q4 | $42.3M | 3,368 |
Credit Union Details
- Charter Number
- 66549
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Wisconsin
- City
- MARINETTE
- Data Quarter
- 2025Q4
Branch Locations (3)
Bay Shore operates 3 offices across 2 cities, spanning 2 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Bay Shore Credit Union-Main (Main Office) | Marinette, WI |
| Tri-County Credit Union | Marinette, WI |
| Enhanced Software Products | Spokane Valley, WA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Wisconsin
Other federally-insured credit unions in Wisconsin, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
Using this data
- Bay Shore ranks #1,197 of 4,374 nationally on financial health and #46 of 100 in WI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Iron County Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Iron County Community
Frequently Asked Questions
Is Bay Shore financially healthy?
Bay Shore has a financial health score of 89/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,197 of 4,374 nationally on health and #46 of 100 in Wisconsin. Its net worth ratio is 18.14% and its delinquency rate 0.22%.
How does Bay Shore compare to other credit unions?
Bay Shore scores 89/100, higher than 69% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is net worth ratio (18.14% vs 14.86%). Its widest shortfall is loan-to-share ratio (52.70% vs 59.80%).
How can I join Bay Shore?
Membership eligibility for Bay Shore depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Bay Shore directly for current membership requirements and application steps.
Is my money safe at Bay Shore?
Bay Shore is a state-chartered credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Bay Shore's net worth ratio of 18.14% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.