Headquartered in Jacksonville, North Carolina, Marine Federal Credit Union is a federal credit union with $1.1B in total assets and $981.1M in member shares and deposits as of Q2 2026. It operates 15 offices across 3 states. Its charter dates back to 1959.
Based on its Q2 2026 filing, Marine Federal Credit Union scores 57/100, which we describe as moderate. That is higher than only 17% of 454 credit unions with $1 billion – $10 billion. Among 57 credit unions headquartered in North Carolina, it ranks 42nd. Its strongest component is problem-loan coverage (79/100; 10.4%), and its lowest is earnings (43/100; 0.58%).
TellerScore · Q2 2026
Scorecard
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 6 points (63 → 57), mostly because the loan quality component weakened by 9 points.
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| Quarter | TellerScore |
|---|---|
| Q2 2024 | 59 |
| Q3 2024 | 60 |
| Q4 2024 | 60 |
| Q1 2025 | 65 |
| Q2 2025 | 63 |
| Q3 2025 | 60 |
| Q4 2025 | 56 |
| Q1 2026 | 59 |
| Q2 2026 | 57 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 10.37% |
| Q3 2024 | 10.36% |
| Q4 2024 | 10.40% |
| Q1 2025 | 10.46% |
| Q2 2025 | 10.59% |
| Q3 2025 | 10.38% |
| Q4 2025 | 10.55% |
| Q1 2026 | 10.47% |
| Q2 2026 | 10.41% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 1.26% |
| Q3 2024 | 1.27% |
| Q4 2024 | 1.35% |
| Q1 2025 | 1.01% |
| Q2 2025 | 1.08% |
| Q3 2025 | 1.20% |
| Q4 2025 | 1.70% |
| Q1 2026 | 1.35% |
| Q2 2026 | 1.36% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.59% |
| Q3 2024 | 0.69% |
| Q4 2024 | 0.71% |
| Q1 2025 | 0.86% |
| Q2 2025 | 0.76% |
| Q3 2025 | 0.67% |
| Q4 2025 | 0.74% |
| Q1 2026 | 0.62% |
| Q2 2026 | 0.58% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 57 | $1.1B | 10.41% | 1.36% | 0.58% | 87.0% |
| Q1 2026 | 59 | $1.1B | 10.47% | 1.35% | 0.62% | 81.6% |
| Q4 2025 | 56 | $1.1B | 10.55% | 1.70% | 0.74% | 83.8% |
| Q3 2025 | 60 | $1.1B | 10.38% | 1.20% | 0.67% | 83.4% |
| Q2 2025 | 63 | $1.0B | 10.59% | 1.08% | 0.76% | 79.7% |
| Q1 2025 | 65 | $1.0B | 10.46% | 1.01% | 0.86% | 77.9% |
| Q4 2024 | 60 | $1.0B | 10.40% | 1.35% | 0.71% | 80.6% |
| Q3 2024 | 60 | $1.0B | 10.36% | 1.27% | 0.69% | 81.7% |
| Q2 2024 | 59 | $997.1M | 10.37% | 1.26% | 0.59% | 82.3% |
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).
Similar-size credit unions in North Carolina
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Latino Community Credit UnionCredit union Durham, NC | 64 out of 100, Moderate | $1.0B | 24.2% | 1.81% | vs |
| Skyla Federal Credit UnionCredit union Charlotte, NC | 54 out of 100, Below average | $1.7B | 9.6% | 1.32% | vs |
| Self-Help Credit UnionCredit union Durham, NC | 64 out of 100, Moderate | $2.2B | 24.5% | 1.97% | vs |
| Self-Help Federal Credit UnionCredit union Durham, NC | 73 out of 100, Strong | $2.4B | 25.2% | 1.01% | vs |
| Allegacy Financial Federal Credit UnionCredit union Winston Salem, NC | 71 out of 100, Strong | $2.6B | 11.4% | 0.65% | vs |
| Civic Federal Credit UnionCredit union Raleigh, NC | 11 out of 100, Low | $3.1B | 5.9% | 6.27% | vs |
Deposit insurance
Is my money safe at Marine Federal Credit Union?
Yes. Marine Federal Credit Union is a federally insured credit union (NCUA charter #12977). 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 7.9% of shares and deposits ($77.8M) are above the $250,000 NCUA insurance limit, close to the peer median of 9%. Insured balances are protected regardless of the score.
The net worth ratio is 10.41%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
15 locations
Branches
Marine Federal Credit Union lists 15 offices in 10 cities across 3 states. Most locations:
- Jacksonville, NC (5)
- Camp Lejeune, NC (2)
- Beaufort, SC (1)
- Holly Ridge, NC (1)
- New Bern, NC (1)
- Quantico, VA (1)
- Richlands, NC (1)
- Stafford, VA (1)
- Swansboro, NC (1)
- Wilmington, NC (1)
HMDA 2025
Mortgage lending
In 2025, Marine Federal Credit Union reported 158 home-loan applications under HMDA (LEI 549300OP5DX4ZL2E2S84): 93 originated ($27,035,000 total), 23 denied, and 35 withdrawn or closed by the applicant. Its denial rate on decided applications was 18.7%, 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 Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 12977
- RSSD ID
- 708687
- Primary regulator
- NCUA
- Established
- 1959
- Headquarters
- P.O. Box 1551, Jacksonville, NC 28541
- Employees
- 248
Quick answers
Marine Federal Credit Union: common questions
Is Marine Federal Credit Union NCUA insured?
Yes. Marine Federal Credit Union is a federally insured credit union (NCUA charter #12977). 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 Federal Credit Union's TellerScore?
57 out of 100 (Moderate), 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 Federal Credit Union have?
15 offices as of the latest NCUA data, in 3 states.
Nearby
Highest-scoring banks and credit unions with branches near Jacksonville
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| FSNB, National AssociationBank Lawton, OK | 96 out of 100, Very strong | $478.3M | 17.5% | 0.36% | vs |
| Providence BankBank Rocky Mount, NC | 82 out of 100, Strong | $1.5B | 12.2% | 0.12% | vs |
| First BankBank Southern Pines, NC | 74 out of 100, Strong | $13.0B | 11.5% | 0.49% | vs |
| United BankBank Fairfax, VA | 74 out of 100, Strong | $33.6B | 11.6% | 0.44% | vs |
| First Flight Federal Credit UnionCredit union Cary, NC | 71 out of 100, Strong | $283.8M | 11.1% | 0.66% | vs |
| Southern Bank and Trust CompanyBank Mount Olive, NC | 70 out of 100, Strong | $5.3B | 9.6% | 0.12% | vs |