State credit union · Two Rivers, Wisconsin · NCUA charter #66447
SHORELINE
Health score 90/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $150.8M
- Total assets
- 7,964
- Members
- 10.5%
- Net-worth ratio
SHORELINE scores 90/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $150.8M; members 7,964; net-worth ratio 10.47%; health rank #1,141 of 4,374; healthier than 73rd of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,141 of 4,374 health · 2025Q4SHORELINE · health 90/100 · $150.8M · 2025Q4
Call Report peers
SHORELINE in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
SHORELINE vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); SHORELINE sits in 90-94 with 747 others.
90 Top 27% higher than 73% 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
SHORELINE vs $100M–$500M peers
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +26.45 pp (98.65% vs 72.20%).
- Largest lag: Net Worth Ratio at 10.47% vs peer 12.11% (-1.64 pp).
Where SHORELINE sits in Wisconsin
- Wisconsin health ordinal: #44 of 100.
- Assets rank #41 of 100 inside Wisconsin ($150.8M reported).
- Membership ranks #43 of 100 among Wisconsin CUs with a reported count (7,964 members).
- One place up in Wisconsin, MADISON (#43) ties at 90/100; one place down, POLICE (#45) scores 89/100, 1 point lower.
Quarter path for SHORELINE
SHORELINE: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.5% from $150.8M (2025Q4) to $153.1M (2026Q1).
- Net-worth ratio shifted -0.01 pp (10.48% → 10.47%).
At 10.47%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 90/100 score is built
SHORELINE gives up 10 points in total. Loan-to-Share Ratio costs the most, 3.9 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 21.2 pts
- Return on Assets 15.0 pts
- Member Growth 12.3 pts
- Loan-to-Share Ratio 11.5 pts
SHORELINE vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.47% | -1.64 pp |
| Delinquency Rate | 0.88% | -0.02 pp |
| Return on Assets | 0.62% | -0.00 pp |
| Member Growth | 2.73% | - |
| Loan-to-Share Ratio | 98.65% | +26.45 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Call Report history - SHORELINE
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $153.1M | - |
| 2025Q4 | $150.8M | 7,964 |
| 2024Q4 | $128.5M | 7,752 |
| 2023Q4 | $127.2M | 7,558 |
Credit Union Details
- Charter Number
- 66447
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Wisconsin
- City
- Two Rivers
- Data Quarter
- 2025Q4
Branch Locations (3)
The NCUA branch filing lists 3 physical offices for SHORELINE, spread across 3 cities.
| Office | City |
|---|---|
| Manitowoc Branch (Main Office) | Manitowoc, WI |
| Green Bay Branch | Green Bay, WI |
| Two Rivers Branch | Two Rivers, WI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Wisconsin
A look at other Wisconsin credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
Using this data
- SHORELINE ranks #1,141 of 4,374 nationally on financial health and #44 of 100 in WI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Prime Financial is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Prime Financial
Frequently Asked Questions
Is SHORELINE financially healthy?
SHORELINE has a financial health score of 90/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,141 of 4,374 nationally on health and #44 of 100 in Wisconsin. Its net worth ratio is 10.47% and its delinquency rate 0.88%.
How does SHORELINE compare to other credit unions?
SHORELINE scores 90/100, higher than 73% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (98.65% vs 72.20%). Its widest shortfall is net worth ratio (10.47% vs 12.11%).
How can I join SHORELINE?
Membership eligibility for SHORELINE depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact SHORELINE directly for current membership requirements and application steps.
Is my money safe at SHORELINE?
SHORELINE 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. SHORELINE'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.