Marine Credit Union La Crosse, Wisconsin
Marine Credit Union is a state-chartered credit union headquartered in La Crosse, WI, established in 1949 (NCUA charter 66752), and it is regulated and insured by the NCUA. At Q2 2026 it reported 75,288 members and total assets of $1.14B (up 8.3% from Q2 2025), the 14th largest of 98 credit unions headquartered in Wisconsin. Its net worth ratio was 12.19% at Q2 2026, in the well capitalized band.
Also written as Marine 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
- 66752
- Headquarters
- La Crosse, WI
- Established
- 1949
- Total assets, Q2 2026
- $1.14B
- Assets vs Q2 2025
- +8.3%
- Members, Q2 2026
- 75,288
- Net worth ratio, Q2 2026
- 12.19%
- Latest call report
- Q2 2026, NCUA 5300 · Marine Credit Union call report
- Asset rank in state
- 14th of 98 in Wisconsin
- Routing number
- 275977489
- Branches
- 18
It has 145 fewer members than on June 30, 2025 (-0.2%). Its net worth ratio was down 0.08 percentage points from 12.27% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $618.4M of $898.0M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 2.26% is above the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 12.19% net worth ratio is above that band's 10.89% median.
Credit unions merged into Marine Credit Union
Bent River Community Credit Union (2018) · United Service Credit Union (2015) · River City Community Credit Union (2014)
Frequently asked about Marine Credit Union
How big is Marine Credit Union?
At Q2 2026 it reported total assets of $1.14B and 75,288 members.
Where is Marine Credit Union headquartered?
It is headquartered in La Crosse, WI, United States.
When was Marine Credit Union founded?
It was established in 1949, per NCUA records.
Is Marine Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 66752): 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 Marine 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 Marine Credit Union well capitalized?
Its net worth ratio was 12.19% 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 Marine Credit Union's delinquency ratio?
Its delinquency ratio was 2.26% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Marine Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 106.17% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- La Crosse, WI 54601
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1949
- NCUA Charter #
- 66752
- RSSD ID
- 209595
- Members
- 75,288
- Potential members
- 6,127,640
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 454 credit unions with $1B to $10B in assets, as of Q2 2026. It is in the top quartile on 1 of 7 ranked measures and in the bottom quartile on 3.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 12.19% | 10.89% | 69th above |
| Return on assets Middle half of peers: 0.59% to 1.25% | 0.74% | 0.89% | 37th below |
| Return on equity Middle half of peers: 5.37% to 10.92% | 6.06% | 8.07% | 31st below |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 5.51% | 3.45% | over 90th top |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 81.97% | 70.59% | 11th bottom |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 2.06% | 1.68% | 22nd bottom |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 2.26% | 0.68% | under 10th bottom |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 7.57% | 5.12% | over 90th position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 106.17% | 88.03% | over 90th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$1.14B total assets against $1.05B; $845.9M total shares and deposits against $787.2M; $898.0M total loans against $862.4M.
$139.0M net worth against $129.2M.
12.19% net worth ratio against 12.27%.
106.17% loan-to-share ratio against 109.55%.
2.26% delinquency ratio against 2.26%.
0.74% return on assets against 0.96%; 6.06% return on equity against 7.82%.
5.51% net interest margin against 5.90%.
75,288 members against 75,433.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 12.19% | 0.74% | 2.26% | 106.17% |
| March 31, 2026 | 12.39% | 0.90% | 1.89% | 107.02% |
| December 31, 2025 | 12.34% | 0.82% | 2.63% | 107.05% |
| September 30, 2025 | 12.40% | 1.22% | 2.58% | 108.02% |
| June 30, 2025 | 12.27% | 0.96% | 2.26% | 109.55% |
| March 31, 2025 | 11.91% | 0.65% | 1.85% | 105.05% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 2% of the loan book, well above the credit-union industry norm of under 1%. Sustained high delinquency erodes net worth through charge-offs. BankRegReports band vs the <1% industry norm.
Loans outstanding exceed total member shares (deposits). The credit union is funding the gap with borrowings or non-member sources that are more rate-sensitive and less stable than core member deposits. Industry heuristic, not a supervisory threshold.
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.