Federal credit union · Jacksonville, North Carolina · NCUA charter #12977
MARINE
Health score 78/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 78
- Health / 100
- $1.06B
- Total assets
- 77,774
- Members
- 10.5%
- Net-worth ratio
MARINE scores 78/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.06B; members 77,774; net-worth ratio 10.47%; health rank #3,000 of 4,374; healthier than 31st of scored peers.
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NCUA 5300 Call Report Masthead
#3,000 of 4,374 health · 2025Q4MARINE · health 78/100 · $1.06B · 2025Q4
Call Report peers
MARINE in the assets neighbourhood
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MARINE vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); MARINE sits in 75-79 with 502 others.
78 31st percentile higher than 31% 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
Peer-gap read for MARINE
- Return on Assets leads the peer set - 0.68% here, 0.51% peer average (+0.17 pp).
- Largest lag: Delinquency Rate at 1.70% vs peer 0.87% (+0.83 pp).
MARINE in North Carolina
- Health composite ranks #34 of 57 among scored North Carolina credit unions.
- North Carolina assets place: #9 of 57.
- North Carolina membership ordinal: #10 of 57.
- One place up in North Carolina, WELCOME (#33) ties at 78/100; one place down, SELF-HELP (#35) scores 77/100, 1 point lower.
Quarter path for MARINE
MARINE: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.3% from $1.06B (2025Q4) to $1.08B (2026Q1).
- Net-worth ratio shifted -0.08 pp (10.55% → 10.47%).
This credit union's 10.47% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 78/100 score is built
MARINE gives up 22 points in total. Member Growth costs the most, 11.7 of its 15; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 14.7 pts
- Return on Assets 15.0 pts
- Member Growth 3.3 pts
- Loan-to-Share Ratio 15.0 pts
MARINE vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.47% | -0.71 pp |
| Delinquency Rate | 1.70% | +0.83 pp |
| Return on Assets | 0.68% | +0.17 pp |
| Member Growth | -3.19% | - |
| Loan-to-Share Ratio | 83.83% | -0.07 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Call Report history - MARINE
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.08B | - |
| 2025Q4 | $1.06B | 77,774 |
| 2024Q4 | $1.01B | 80,336 |
| 2023Q4 | $953.9M | 81,892 |
Credit Union Details
- Charter Number
- 12977
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- North Carolina
- City
- Jacksonville
- Data Quarter
- 2025Q4
Branch Locations (15)
MARINE operates 15 offices across 10 cities, spanning 3 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Corporate Headquarters Branch (Main Office) | Jacksonville, NC |
| Beaufort | Beaufort, SC |
| Camp Lejeune | Camp Lejeune, NC |
| New River Air Station | Camp Lejeune, NC |
| Stone Bay | Holly Ridge, NC |
| Triangle | Jacksonville, NC |
| Piney Green | Jacksonville, NC |
| Digital Branch | Jacksonville, NC |
| Mobile Branch | Jacksonville, NC |
| New Bern | New Bern, NC |
| Russell Road | Quantico, VA |
| Richlands | Richlands, NC |
| North Stafford | Stafford, VA |
| Swansboro | Swansboro, NC |
| Wilmington | Wilmington, NC |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in North Carolina
Other federally-insured credit unions in North Carolina, closest first by peer group and asset size.
MARINE nationwide neighbourhoods
Using this data
- MARINE ranks #3,000 of 4,374 nationally on financial health and #34 of 57 in NC -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Latino Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Latino Community
Frequently Asked Questions
Is MARINE financially healthy?
MARINE has a financial health score of 78/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,000 of 4,374 nationally on health and #34 of 57 in North Carolina. Its net worth ratio is 10.47% and its delinquency rate 1.70%.
How does MARINE compare to other credit unions?
MARINE scores 78/100, higher than 31% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is return on assets (0.68% vs 0.51%). Its widest shortfall is delinquency rate (1.70% vs 0.87%).
How can I join MARINE?
MARINE operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact MARINE directly for the exact boundaries and application steps.
Is my money safe at MARINE?
MARINE is a federal 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. MARINE's net worth ratio of 10.47% 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.