MARINE
Charter #12977 · Jacksonville, NC · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 4.87% ranks in the 97th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.35% sits at the 95th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.97% sits at the 97th percentile of structural peers — worth a closer look.
- Efficiency ratio of 61.43% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 5th percentile but its structural peers at the 41st — a 36-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | MARINE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.08B | 5th pct | 41th pct |
| Members | 77,115 | 26th pct | 52th pct |
| Net worth ratio | 10.47% | 43th pct | 44th pct |
| Return on average assets | 0.63% | 42th pct | 52th pct |
| Net interest margin | 4.87% | 98th pct | 97th pct |
| Cost of funds | 1.36% | 31th pct | 43th pct |
| Loan-to-share | 81.64% | 36th pct | 46th pct |
| Delinquency 60+ days | 1.35% | 91th pct | 95th pct |
| Net charge-off ratio | 1.97% | 98th pct | 97th pct |
| Loan growth YoY | 1.38% | 45th pct | 59th pct |
| Share growth YoY | 3.59% | 40th pct | 48th pct |
| Efficiency ratio | 61.43% | 15th pct | 7th pct |
structural peer set hash: 6c3e84da79fa6998f216e4e7dc37bee6… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.