SHORELINE
Charter #66447 · Two Rivers, WI · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Cost of funds of 1.23% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.07% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 87.22% sits at the 75th percentile of structural peers — worth a closer look.
- On Cost of funds, the asset-size band puts this credit union at the 51st percentile but its structural peers at the 18th — a 33-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 | SHORELINE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $153.12M | 32th pct | 23th pct |
| Members | 8,023 | 18th pct | 26th pct |
| Net worth ratio | 10.47% | 34th pct | 41th pct |
| Return on average assets | 0.59% | 42th pct | 44th pct |
| Net interest margin | 3.74% | 56th pct | 59th pct |
| Cost of funds | 1.23% | 51th pct | 18th pct |
| Loan-to-share | 93.84% | 95th pct | 79th pct |
| Delinquency 60+ days | 0.44% | 36th pct | 39th pct |
| Net charge-off ratio | 0.07% | 14th pct | 18th pct |
| Loan growth YoY | 2.91% | 74th pct | 57th pct |
| Share growth YoY | 7.01% | 87th pct | 82th pct |
| Efficiency ratio | 87.22% | 78th pct | 75th pct |
structural peer set hash: 31d552ea17efecdf297fef0b19577c10… (reproducible)
Closest structural peers
This is the free public view
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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.