TellerScore

Headquartered in Marinette, Wisconsin, Bay Shore Credit Union is a federally insured state-chartered credit union with $48.2M in total assets and $38.7M in member shares and deposits as of Q2 2026. It operates 2 offices across 2 states. Its charter dates back to 1953.

Based on its Q2 2026 filing, Bay Shore Credit Union scores 92/100, which we describe as very strong. That is higher than 92% of 2,479 credit unions with under $100 million in assets. Among 98 credit unions headquartered in Wisconsin, it ranks 4th. Its strongest component is capital cushion (100/100; 18.64%), and its lowest is earnings (71/100; 1.27%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 18.64%
Loan quality91/100
Loans 60+ days delinquent ÷ total loans: 0.27%
Earnings71/100
Return on assets (annualized): 1.27%
Funding & liquidity100/100
Loans ÷ shares: 50.4% · 4.8% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.58%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 5 points (97 → 92), mostly because the earnings component weakened by 28 points.

TellerScore
899397Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202494
Q3 202495
Q4 202497
Q1 202597
Q2 202597
Q3 202589
Q4 202594
Q1 202689
Q2 202692
Net worth ratio
7.00%12.89%18.78%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202417.05%
Q3 202417.57%
Q4 202418.43%
Q1 202518.41%
Q2 202518.39%
Q3 202518.19%
Q4 202518.78%
Q1 202618.14%
Q2 202618.64%
Delinquent loans (60+ days)
0.13%0.32%0.51%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.51%
Q3 20240.47%
Q4 20240.40%
Q1 20250.31%
Q2 20250.26%
Q3 20250.38%
Q4 20250.22%
Q1 20260.13%
Q2 20260.27%
Return on assets
0.72%1.37%2.02%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.81%
Q3 20241.90%
Q4 20242.02%
Q1 20251.99%
Q2 20251.98%
Q3 20251.08%
Q4 20251.50%
Q1 20260.72%
Q2 20261.27%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202692$48.2M18.64%0.27%1.27%50.4%
Q1 202689$48.4M18.14%0.13%0.72%48.6%
Q4 202594$46.3M18.78%0.22%1.50%52.7%
Q3 202589$46.0M18.19%0.38%1.08%52.4%
Q2 202597$46.0M18.39%0.26%1.98%51.5%
Q1 202597$44.6M18.41%0.31%1.99%51.8%
Q4 202497$43.4M18.43%0.40%2.02%55.0%
Q3 202495$44.1M17.57%0.47%1.90%55.1%
Q2 202494$44.1M17.05%0.51%1.81%54.9%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio18.64%
72nd
Problem loans0.27%
70th
Net charge-offs-0.01%
87th
Return on assets1.27%
78th
Loans to deposits50.4%
63rd
Uninsured deposits4.8%
22nd
Loan-loss reserves0.00%
37th
Texas ratio0.6%
73rd

Similar-size credit unions in Wisconsin

InstitutionScoreAssetsCapitalProblem loansCompare
Iron County Community Credit UnionCredit union Hurley, WI78 out of 100, Strong$47.4M18.6%2.00%vs
Athens Area Credit UnionCredit union Athens, WI84 out of 100, Strong$49.9M13.3%0.63%vs
Marathon County Employees Credit UnionCredit union Wausau, WI86 out of 100, Very strong$46.5M16.3%0.38%vs
First Choice Credit UnionCredit union Marshfield, WI89 out of 100, Very strong$51.0M16.3%0.65%vs
Badger-Globe Credit UnionCredit union Neenah, WI61 out of 100, Moderate$51.6M13.6%1.50%vs
County - City Credit UnionCredit union Jefferson, WI78 out of 100, Strong$43.6M11.3%0.41%vs

Deposit insurance

Is my money safe at Bay Shore Credit Union?

Yes. Bay Shore Credit Union is a federally insured credit union (NCUA charter #66549). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 4.8% of shares and deposits ($1.9M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 18.64%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Bay Shore Credit Union lists 2 offices in 2 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Bay Shore Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
66549
RSSD ID
186593
Primary regulator
State + NCUA
Established
1953
Headquarters
P.O. Box 655, Marinette, WI 54143
Employees
10

Quick answers

Bay Shore Credit Union: common questions

Is Bay Shore Credit Union NCUA insured?

Yes. Bay Shore Credit Union is a federally insured credit union (NCUA charter #66549). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Bay Shore Credit Union's TellerScore?

92 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Bay Shore Credit Union have?

2 offices as of the latest NCUA data, in 2 states.