State credit union · La Crosse, Wisconsin · NCUA charter #66752
Marine
Health score 69/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 69
- Health / 100
- $1.09B
- Total assets
- 74,909
- Members
- 11.8%
- Net-worth ratio
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 - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)100
- Asset quality (delinquency)34
- Earnings (ROA)100
- Member growth51
- Liquidity (loan-to-share)52
Weighted composite: 69/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 11.77%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 11.77% | 30% |
| Delinquency Rate | 2.63% | 25% |
| Return on Assets | 0.73% | 15% |
| Member Growth | -0.71% | 15% |
| Loan-to-Share Ratio | 107.05% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Marine
Marine is a state credit union headquartered in La Crosse, Wisconsin, serving 74,909 members with $1.09B in total assets and $863.4M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 69/100 (Good), anchored by a net worth ratio of 11.77% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #66752 operates under peer group Over $500M, a cohort of 749 similarly-sized institutions.
2.63% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running looser than peers. Deposit deployment is captured by the 107.05% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.73% on net income of $7.9M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -0.71%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Other) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
Nearby Credit Unions in Wisconsin
Other federally-insured credit unions in Wisconsin, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
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. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 11.77% 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 11.77% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.