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
- ASSETS 90/100
- MEM 10.5%
- RANK 0.88%
- PHOTO 0.62%
- BOOK $150.8M
- CHARTER 7,964
- NCUSIF #1,141/4,374
- CAMELS LAKEVIEW
- HEALTH 66447
Call Report peers
SHORELINE in the assets neighbourhood
SHORELINE's $150.8M assets sit next to LAKEVIEW ($150.8M) 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.
SHORELINE 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
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 - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #66447 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
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).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
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 SHORELINE
SHORELINE: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.5% from $150.8M (2025Q4) to $153.1M (2026Q1).
- Net-worth ratio shifted -0.01 pp (10.48% → 10.47%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 90.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
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
SHORELINE's nationwide photo peers by assets and by health score, excluding Wisconsin charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($150.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (90/100 here).
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
- 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 SHORELINE financially healthy?
Yes/no aside, the number is 90/100 (Excellent) - SHORELINE's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,141 of 4,374; by total assets it ranks #1,484 of 4,374 nationally (same basis as /rankings/largest); and #41 of 100 within Wisconsin. Above 80 reads excellent, below 50 warrants closer monitoring; a 10.47% net worth ratio and 0.88% delinquency rate are the key drivers.
How does SHORELINE compare to other credit unions?
PlainCU's health composite puts SHORELINE at 90/100, compared to a peer group average for $100M–$500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 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?
Federal credit unions like SHORELINE 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. SHORELINE's net worth ratio of 10.47% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does SHORELINE offer compared to banks?
Credit unions like SHORELINE 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 SHORELINE 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.