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
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.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 59 |
| Q3 2024 | 61 |
| Q4 2024 | 62 |
| Q1 2025 | 82 |
| Q2 2025 | 78 |
| Q3 2025 | 74 |
| Q4 2025 | 72 |
| Q1 2026 | 66 |
| Q2 2026 | 66 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 8.39% |
| Q3 2024 | 8.59% |
| Q4 2024 | 8.78% |
| Q1 2025 | 10.91% |
| Q2 2025 | 10.83% |
| Q3 2025 | 10.71% |
| Q4 2025 | 10.48% |
| Q1 2026 | 10.47% |
| Q2 2026 | 10.12% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.52% |
| Q3 2024 | 0.53% |
| Q4 2024 | 0.54% |
| Q1 2025 | 0.18% |
| Q2 2025 | 0.45% |
| Q3 2025 | 0.82% |
| Q4 2025 | 0.88% |
| Q1 2026 | 0.44% |
| Q2 2026 | 0.38% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.56% |
| Q3 2024 | 0.62% |
| Q4 2024 | 0.73% |
| Q1 2025 | 11.21% |
| Q2 2025 | 5.70% |
| Q3 2025 | 3.98% |
| Q4 2025 | 3.02% |
| Q1 2026 | 0.59% |
| Q2 2026 | 0.55% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 66 | $160.0M | 10.12% | 0.38% | 0.55% | 88.1% |
| Q1 2026 | 66 | $153.1M | 10.47% | 0.44% | 0.59% | 93.8% |
| Q4 2025 | 72 | $150.8M | 10.48% | 0.88% | 3.02% | 98.7% |
| Q3 2025 | 74 | $146.0M | 10.71% | 0.82% | 3.98% | 97.6% |
| Q2 2025 | 78 | $141.3M | 10.83% | 0.45% | 5.70% | 94.2% |
| Q1 2025 | 82 | $139.2M | 10.91% | 0.18% | 11.21% | 86.3% |
| Q4 2024 | 62 | $128.5M | 8.78% | 0.54% | 0.73% | 86.5% |
| Q3 2024 | 61 | $127.8M | 8.59% | 0.53% | 0.62% | 86.5% |
| Q2 2024 | 59 | $127.9M | 8.39% | 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).
Similar-size credit unions in Wisconsin
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Prime Financial Credit UnionCredit union Cudahy, WI | 55 out of 100, Moderate | $161.3M | 10.1% | 1.50% | vs |
| Sentry Credit UnionCredit union Stevens Point, WI | 76 out of 100, Strong | $172.5M | 12.4% | 0.44% | vs |
| Arcadia Credit UnionCredit union Arcadia, WI | 79 out of 100, Strong | $144.2M | 12.9% | 0.46% | vs |
| Winnebago Community Credit UnionCredit union Oshkosh, WI | 85 out of 100, Very strong | $176.1M | 13.8% | 0.13% | vs |
| N.E.W. Credit UnionCredit union Oconto Falls, WI | 77 out of 100, Strong | $178.2M | 11.1% | 0.36% | vs |
| Members' Advantage Credit UnionCredit union Wisconsin Rapid, WI | 93 out of 100, Very strong | $185.2M | 19.2% | 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.
3 locations
Branches
Shoreline Credit Union lists 3 offices in 3 cities. Most locations:
- Green Bay, WI (1)
- Manitowoc, WI (1)
- Two Rivers, WI (1)
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
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Sheboygan Area Credit UnionCredit union Sheboygan, WI | 97 out of 100, Very strong | $93.4M | 15.3% | 0.13% | vs |
| National Exchange Bank and TrustBank Fond Du Lac, WI | 88 out of 100, Very strong | $2.9B | 20.1% | 0.37% | vs |
| Community First Credit UnionCredit union Appleton, WI | 84 out of 100, Strong | $6.8B | 12.8% | 0.14% | vs |
| State Bank of ChiltonBank Chilton, WI | 80 out of 100, Strong | $516.5M | 12.7% | 0.58% | vs |
| Premier Financial Credit UnionCredit union New Holstein, WI | 78 out of 100, Strong | $132.4M | 13.6% | 0.95% | vs |
| Holy Family Memorial Credit UnionCredit union Manitowoc, WI | 75 out of 100, Strong | $19.7M | 11.1% | 0.09% | vs |