Bay Shore Credit Union Marinette, Wisconsin
Bay Shore Credit Union is a state-chartered credit union headquartered in Marinette, WI, established in 1953 (NCUA charter 66549), and it is regulated and insured by the NCUA. At Q2 2026 it reported 3,303 members and total assets of $48.2M (up 4.9% from Q2 2025), the 67th largest of 98 credit unions headquartered in Wisconsin. Its net worth ratio was 18.64% at Q2 2026, in the well capitalized band.
Also written as Bay Shore CU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 66549
- Headquarters
- Marinette, WI
- Established
- 1953
- Total assets, Q2 2026
- $48.2M
- Assets vs Q2 2025
- +4.9%
- Members, Q2 2026
- 3,303
- Net worth ratio, Q2 2026
- 18.64%
- Latest call report
- Q2 2026, NCUA 5300 · Bay Shore Credit Union call report
- Asset rank in state
- 67th of 98 in Wisconsin
- Routing number
- 275979306
- Branches
- 3
It has 14 fewer members than on June 30, 2025 (-0.4%). Its net worth ratio was up 0.25 percentage points from 18.39% on June 30, 2025. Used vehicle loans are its largest loan category, $9.4M of $19.5M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.27% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 18.64% net worth ratio is above that band's 14.31% median.
Frequently asked about Bay Shore Credit Union
How big is Bay Shore Credit Union?
At Q2 2026 it reported total assets of $48.2M and 3,303 members.
Where is Bay Shore Credit Union headquartered?
It is headquartered in Marinette, WI, United States.
When was Bay Shore Credit Union founded?
It was established in 1953, per NCUA records.
Is Bay Shore Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 66549): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Bay Shore Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Bay Shore Credit Union well capitalized?
Its net worth ratio was 18.64% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Bay Shore Credit Union's delinquency ratio?
Its delinquency ratio was 0.27% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Bay Shore Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 50.35% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Marinette, WI 54143
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1953
- NCUA Charter #
- 66549
- RSSD ID
- 186593
- Members
- 3,303
- Potential members
- 101,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 4 of 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 18.64% | 14.31% | 71st above |
| Return on assets Middle half of peers: 0.16% to 1.30% | 1.81% | 0.72% | 88th top |
| Return on equity Middle half of peers: 1.04% to 8.69% | 9.73% | 4.74% | 79th top |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 4.03% | 3.93% | 54th above |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 59.90% | 79.83% | 87th top |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.52% | 0.78% | 66th above |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 0.27% | 0.86% | 81st top |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 4.54% | 4.70% | 42nd position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 50.35% | 58.92% | 37th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$48.2M total assets against $46.0M; $38.7M total shares and deposits against $36.9M; $19.5M total loans against $19.0M.
$9.0M net worth against $8.5M.
18.64% net worth ratio against 18.39%.
50.35% loan-to-share ratio against 51.47%.
0.27% delinquency ratio against 0.26%.
1.81% return on assets against 2.02%; 9.73% return on equity against 10.99%.
4.03% net interest margin against 4.28%.
3,303 members against 3,317.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 18.64% | 1.81% | 0.27% | 50.35% |
| March 31, 2026 | 18.14% | 0.72% | 0.13% | 48.57% |
| December 31, 2025 | 18.78% | 2.75% | 0.22% | 52.70% |
| September 30, 2025 | 18.19% | -0.69% | 0.38% | 52.40% |
| June 30, 2025 | 18.39% | 2.02% | 0.26% | 51.47% |
| March 31, 2025 | 18.41% | 1.99% | 0.31% | 51.84% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.