TellerScore

Marine Credit Union (NCUA charter #66752) is based in La Crosse, Wisconsin. Its Q2 2026 call report shows $1.1B in total assets and $845.9M in member shares and deposits and 8 offices.

Based on its Q2 2026 filing, Marine Credit Union scores 53/100, which we describe as below average. That is higher than only 10% of 454 credit unions with $1 billion – $10 billion. Among 98 credit unions headquartered in Wisconsin, it ranks 92nd. Its strongest component is capital cushion (72/100; 12.19%), and its lowest is loan quality (25/100; 2.26%).

TellerScore · Q2 2026

Scorecard

Capital cushion72/100
Net worth ratio: 12.19%
Loan quality25/100
Loans 60+ days delinquent ÷ total loans: 2.26%
Earnings52/100
Return on assets (annualized): 0.80%
Funding & liquidity54/100
Loans ÷ shares: 106.2% · 3.9% uninsured
Problem-loan coverage70/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 15.23%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (53 → 53).

TellerScore
515558Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202455
Q3 202453
Q4 202453
Q1 202555
Q2 202553
Q3 202552
Q4 202551
Q1 202658
Q2 202653
Net worth ratio
7.00%9.70%12.40%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 202411.87%
Q3 202411.98%
Q4 202412.07%
Q1 202511.91%
Q2 202512.27%
Q3 202512.40%
Q4 202512.34%
Q1 202612.39%
Q2 202612.19%
Delinquent loans (60+ days)
1.85%2.24%2.63%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20242.07%
Q3 20242.21%
Q4 20242.20%
Q1 20251.85%
Q2 20252.26%
Q3 20252.58%
Q4 20252.63%
Q1 20261.89%
Q2 20262.26%
Return on assets
0.65%0.79%0.94%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.83%
Q3 20240.82%
Q4 20240.76%
Q1 20250.65%
Q2 20250.81%
Q3 20250.94%
Q4 20250.89%
Q1 20260.90%
Q2 20260.80%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202653$1.1B12.19%2.26%0.80%106.2%
Q1 202658$1.1B12.39%1.89%0.90%107.0%
Q4 202551$1.1B12.34%2.63%0.89%107.1%
Q3 202552$1.1B12.40%2.58%0.94%108.0%
Q2 202553$1.1B12.27%2.26%0.81%109.6%
Q1 202555$1.1B11.91%1.85%0.65%105.1%
Q4 202453$1.0B12.07%2.20%0.76%106.9%
Q3 202453$1.0B11.98%2.21%0.82%105.1%
Q2 202455$1.0B11.87%2.07%0.83%102.7%

454 peers · $1 billion – $10 billion

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 ratio12.19%
70th
Problem loans2.26%
3rd
Net charge-offs0.50%
51st
Return on assets0.80%
50th
Loans to deposits106.2%
4th
Uninsured deposits3.9%
93rd
Loan-loss reserves0.00%
50th
Texas ratio15.2%
5th

Similar-size credit unions in Wisconsin

InstitutionScoreAssetsCapitalProblem loansCompare
Westby Co-Op Credit UnionCredit union Westby, WI77 out of 100, Strong$1.0B15.6%1.44%vs
Verve, a Credit UnionCredit union Oshkosh, WI65 out of 100, Moderate$1.6B9.8%0.38%vs
Westconsin Credit UnionCredit union Menomonie, WI78 out of 100, Strong$2.2B12.9%0.64%vs
Capital Credit UnionCredit union Green Bay, WI69 out of 100, Moderate$2.8B12.3%0.90%vs
Altra Federal Credit UnionCredit union Onalaska, WI78 out of 100, Strong$3.1B12.7%0.46%vs
Fox Communities Credit UnionCredit union Appleton, WI73 out of 100, Strong$3.4B10.9%0.29%vs

Deposit insurance

Is my money safe at Marine Credit Union?

Yes. Marine Credit Union is a federally insured credit union (NCUA charter #66752). 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 3.9% of shares and deposits ($32.9M) are above the $250,000 NCUA insurance limit, below the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 12.19%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

8 locations

Branches

Marine Credit Union lists 8 offices in 7 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Marine Credit Union reported 3,215 home-loan applications under HMDA (LEI 5493007DIB8YPDM6NR52): 1,160 originated ($150,220,000 total), 1,127 denied, and 707 withdrawn or closed by the applicant. Its denial rate on decided applications was 44.9%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Marine Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
66752
RSSD ID
209595
Primary regulator
State + NCUA
Established
1949
Headquarters
300 2nd St N Ste 400, La Crosse, WI 54601
Employees
412

Quick answers

Marine Credit Union: common questions

Is Marine Credit Union NCUA insured?

Yes. Marine Credit Union is a federally insured credit union (NCUA charter #66752). 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 Marine Credit Union's TellerScore?

53 out of 100 (Below average), 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 Marine Credit Union have?

8 offices as of the latest NCUA data.