State credit union · La Crosse, Wisconsin · NCUA charter #66752
MARINE
Health score 69/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 69
- Health / 100
- $1.09B
- Total assets
- 74,909
- Members
- 12.4%
- Net-worth ratio
MARINE scores 69/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.09B; members 74,909; net-worth ratio 12.39%; health rank #3,650 of 4,374; healthier than 16th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#3,650 of 4,374 health · 2025Q4MARINE · health 69/100 · $1.09B · 2025Q4
- BOOK 69/100
- CHARTER 12.4%
- NCUSIF 2.63%
- CAMELS 0.73%
- HEALTH $1.09B
- NW 74,909
- DELQ #3,650/4,374
- ROA KIRTLAND
- ASSETS 66752
Call Report peers
MARINE in the assets neighbourhood
MARINE's $1.09B assets sit next to KIRTLAND ($1.09B) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
MARINE vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
69 16th percentile higher than 16% 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
MARINE - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #66752: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
MARINE vs Over $500M peers
- Strongest edge vs 749 Over $500M peers is Loan-to-Share Ratio: +23.15 pp (107.05% vs 83.90%).
- Widest shortfall vs peers is Delinquency Rate: +1.76 pp (2.63% vs 0.87%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Wisconsin standing for MARINE
- In Wisconsin, health place is #93 of 100 on the same NCUA-ratio sort used nationally.
- By total assets, MARINE is #14 of 100 in Wisconsin.
- Member book place in Wisconsin: #13 of 100.
In-state ordinals use the live credit_unions table for WI only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for MARINE
MARINE: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.4% from $1.09B (2025Q4) to $1.10B (2026Q1).
- Net-worth ratio shifted +0.05 pp (12.34% → 12.39%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 12.39%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 69/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 69.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 8.6 pts
- Return on Assets 15.0 pts
- Member Growth 7.7 pts
- Loan-to-Share Ratio 7.7 pts
MARINE health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.39% | +1.21 pp |
| Delinquency Rate | 2.63% | +1.76 pp |
| Return on Assets | 0.73% | +0.22 pp |
| Member Growth | -0.71% | - |
| Loan-to-Share Ratio | 107.05% | +23.15 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Call Report history - MARINE
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.10B | - |
| 2025Q4 | $1.09B | 74,909 |
| 2024Q4 | $1.04B | 75,446 |
| 2023Q4 | $1.05B | 77,032 |
Credit Union Details
- Charter Number
- 66752
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Wisconsin
- City
- La Crosse
- Data Quarter
- 2025Q4
Branch Locations (18)
MARINE operates 18 offices across 16 cities, spanning 2 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Corporate Office (Main Office) | La Crosse, WI |
| Chippewa Falls | Chippewa Falls, WI |
| Dodgeville | Dodgeville, WI |
| Eau Claire | Eau Claire, WI |
| PION | Fond du Lac, WI |
| Rees | Fond du Lac, WI |
| LAX1 | La Crosse, WI |
| Lancaster | Lancaster, WI |
| Mil1 | Milwaukee, WI |
| Monroe | Monroe, WI |
| Racine - Regency | Mount Pleasant, WI |
| ONA | Onalaska, WI |
| Platteville | Platteville, WI |
| PDC | Prairie du Chien, WI |
| Sheboygan | Sheboygan, WI |
| Stanley | Stanley, WI |
| Waup | Waupun, WI |
| West Des Moines | West Des Moines, IA |
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.
Other-state peers near MARINE
Two NCUA Call Report peer sets for MARINE, both outside Wisconsin so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($1.09B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (69/100 here).
Using this data
- MARINE ranks #3,650 of 4,374 nationally on financial health and #93 of 100 in WI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Westby Co-Op is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Westby Co-Op
- Rates and health both vary by institution, not just by state -- see how Wisconsin credit unions compare overall before assuming this one is typical. Wisconsin state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is MARINE financially healthy?
MARINE has a financial health score of 69/100 (Good) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,650 of 4,374; by total assets it ranks #441 of 4,374 nationally (same basis as /rankings/largest); and #14 of 100 within Wisconsin. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 12.39% and delinquency rate of 2.63%.
How does MARINE compare to other credit unions?
Five weighted metrics from NCUA filings produce MARINE's 69/100 score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join MARINE?
Membership eligibility for MARINE depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact MARINE directly for current membership requirements and application steps.
Is my money safe at MARINE?
Federal credit unions like MARINE are 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 12.39% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does MARINE offer compared to banks?
Credit unions like MARINE are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact MARINE directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.