Credit Union Safety Analysis
Is Shoreline Credit Union Safe? Two Rivers, Wisconsin
Based on its Q2 2026 NCUA 5300 call report, Shoreline Credit Union has a net worth ratio of 10.12%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.38%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Shoreline Credit Union's net worth ratio is 10.12%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 10.12%
- Delinquency ratio (60+ days) (Q2 2026): 0.38%
- Return on assets (Q2 2026): 0.53%
- Loan-to-share ratio (Q2 2026): 88.14%
Shoreline Credit Union (NCUA charter 66447, established 1941) reported $160.0M in assets and 8,064 members for Q2 2026 from Two Rivers, Wisconsin. It ranks 41 of 98 credit unions in Wisconsin by total assets. Total assets grew 13.2% from $141.3M on June 30, 2025. It has 192 more members than on June 30, 2025 (+2.4%). Its net worth ratio was down 0.71 percentage points from 10.83% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $71.1M of $114.3M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.38% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 10.47% for Q1 2026; 10.83% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 0.44% for Q1 2026; 0.45% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 0.59% for Q1 2026; 0.36% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 93.84% for Q1 2026; 94.19% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $71.1M
- Used vehicle loans: $16.9M
- Commercial loans: $16.2M
- New vehicle loans: $6.5M
- Unsecured credit card loans: $1.9M
- Other secured non-real estate loans and lines of credit: $1.2M
- Other unsecured loans and lines of credit: $658K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $160.0M | 10.12% | 0.38% | 0.53% | 88.14% |
| March 31, 2026 | $153.1M | 10.47% | 0.44% | 0.59% | 93.84% |
| December 31, 2025 | $150.8M | 10.48% | 0.88% | 0.52% | 98.65% |
| September 30, 2025 | $146.0M | 10.71% | 0.82% | 0.89% | 97.58% |
| June 30, 2025 | $141.3M | 10.83% | 0.45% | 0.36% | 94.19% |
| March 31, 2025 | $139.2M | 10.91% | 0.18% | 11.21% | 86.32% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Shoreline Credit Union profile
Regulator records: NCUA credit union profile (charter 66447) · FFIEC NIC profile (RSSD 745196)
Frequently asked questions
Is Shoreline Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Shoreline Credit Union's net worth ratio is 10.12%, above the 7% NCUA threshold for well capitalized.
Is Shoreline Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Shoreline Credit Union is a federally insured credit union (NCUA charter 66447): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Shoreline Credit Union's key safety ratios?
For Q2 2026, Shoreline Credit Union reports net worth 10.12%, delinquency 0.38%, ROA 0.53%, loan-to-share 88.14%.
What happens to my money if Shoreline Credit Union fails?
For Q2 2026, Shoreline Credit Union held $129.7M in shares and deposits for 8,064 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.