TellerScore

Shoreline Credit Union (NCUA charter #66447) is based in Two Rivers, Wisconsin. Its Q2 2026 call report shows $160.0M in total assets and $129.7M in member shares and deposits and 3 offices.

Shoreline Credit Union has a TellerScore of 66 out of 100 (moderate) based on Q2 2026 data — higher than only 37% of its 1,341 credit unions with $100 million – $1 billion. Among 98 credit unions headquartered in Wisconsin, it ranks 72nd. Problem-loan coverage contributes the most (95/100, 2.7%); earnings contributes the least (42/100, 0.55%).

TellerScore · Q2 2026

Scorecard

Capital cushion51/100
Net worth ratio: 10.12%
Loan quality87/100
Loans 60+ days delinquent ÷ total loans: 0.38%
Earnings42/100
Return on assets (annualized): 0.55%
Funding & liquidity72/100
Loans ÷ shares: 88.1% · 7.8% uninsured
Problem-loan coverage95/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.68%

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 12 points (78 → 66), mostly because the earnings component weakened by 58 points.

TellerScore
597182Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202459
Q3 202461
Q4 202462
Q1 202582
Q2 202578
Q3 202574
Q4 202572
Q1 202666
Q2 202666
Net worth ratio
7.00%8.96%10.91%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.39%
Q3 20248.59%
Q4 20248.78%
Q1 202510.91%
Q2 202510.83%
Q3 202510.71%
Q4 202510.48%
Q1 202610.47%
Q2 202610.12%
Delinquent loans (60+ days)
0.18%0.53%0.88%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.52%
Q3 20240.53%
Q4 20240.54%
Q1 20250.18%
Q2 20250.45%
Q3 20250.82%
Q4 20250.88%
Q1 20260.44%
Q2 20260.38%
Return on assets
0.55%5.88%11.21%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.56%
Q3 20240.62%
Q4 20240.73%
Q1 202511.21%
Q2 20255.70%
Q3 20253.98%
Q4 20253.02%
Q1 20260.59%
Q2 20260.55%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202666$160.0M10.12%0.38%0.55%88.1%
Q1 202666$153.1M10.47%0.44%0.59%93.8%
Q4 202572$150.8M10.48%0.88%3.02%98.7%
Q3 202574$146.0M10.71%0.82%3.98%97.6%
Q2 202578$141.3M10.83%0.45%5.70%94.2%
Q1 202582$139.2M10.91%0.18%11.21%86.3%
Q4 202462$128.5M8.78%0.54%0.73%86.5%
Q3 202461$127.8M8.59%0.53%0.62%86.5%
Q2 202459$127.9M8.39%0.52%0.56%87.2%

1,341 peers · $100 million – $1 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 ratio10.12%
31st
Problem loans0.38%
76th
Net charge-offs0.04%
93rd
Return on assets0.55%
34th
Loans to deposits88.1%
20th
Uninsured deposits7.8%
31st
Loan-loss reserves0.00%
50th
Texas ratio2.7%
67th

Similar-size credit unions in Wisconsin

InstitutionScoreAssetsCapitalProblem loansCompare
Prime Financial Credit UnionCredit union Cudahy, WI55 out of 100, Moderate$161.3M10.1%1.50%vs
Sentry Credit UnionCredit union Stevens Point, WI76 out of 100, Strong$172.5M12.4%0.44%vs
Arcadia Credit UnionCredit union Arcadia, WI79 out of 100, Strong$144.2M12.9%0.46%vs
Winnebago Community Credit UnionCredit union Oshkosh, WI85 out of 100, Very strong$176.1M13.8%0.13%vs
N.E.W. Credit UnionCredit union Oconto Falls, WI77 out of 100, Strong$178.2M11.1%0.36%vs
Members' Advantage Credit UnionCredit union Wisconsin Rapid, WI93 out of 100, Very strong$185.2M19.2%0.21%vs

Deposit insurance

Is my money safe at Shoreline Credit Union?

Yes. Shoreline Credit Union is a federally insured credit union (NCUA charter #66447). 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 7.8% of shares and deposits ($10.1M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 10.12%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Shoreline Credit Union lists 3 offices in 3 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Shoreline Credit Union reported 195 home-loan applications under HMDA (LEI 549300D5WGD75SLEMI23): 148 originated ($23,250,000 total), 18 denied, and 26 withdrawn or closed by the applicant. Its denial rate on decided applications was 10.7%, 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
Shoreline Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
66447
RSSD ID
745196
Primary regulator
State + NCUA
Established
1941
Headquarters
PO Box 27, Two Rivers, WI 54241
Employees
37

Quick answers

Shoreline Credit Union: common questions

Is Shoreline Credit Union NCUA insured?

Yes. Shoreline Credit Union is a federally insured credit union (NCUA charter #66447). 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 Shoreline Credit Union's TellerScore?

66 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 Shoreline Credit Union have?

3 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Two Rivers

InstitutionScoreAssetsCapitalProblem loansCompare
Sheboygan Area Credit UnionCredit union Sheboygan, WI97 out of 100, Very strong$93.4M15.3%0.13%vs
National Exchange Bank and TrustBank Fond Du Lac, WI88 out of 100, Very strong$2.9B20.1%0.37%vs
Community First Credit UnionCredit union Appleton, WI84 out of 100, Strong$6.8B12.8%0.14%vs
State Bank of ChiltonBank Chilton, WI80 out of 100, Strong$516.5M12.7%0.58%vs
Premier Financial Credit UnionCredit union New Holstein, WI78 out of 100, Strong$132.4M13.6%0.95%vs
Holy Family Memorial Credit UnionCredit union Manitowoc, WI75 out of 100, Strong$19.7M11.1%0.09%vs