BAY SHORE
Charter #66549 · Marinette, WI · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 18.14% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.13% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.03% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 85.39% sits at the 77th percentile of structural peers — worth a closer look.
- On Members, the asset-size band puts this credit union at the 82nd percentile but its structural peers at the 51st — a 31-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 | BAY SHORE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $48.37M | 98th pct | 74th pct |
| Members | 3,301 | 82th pct | 51th pct |
| Net worth ratio | 18.14% | 78th pct | 77th pct |
| Return on average assets | 0.74% | 55th pct | 34th pct |
| Net interest margin | 4.03% | 59th pct | 64th pct |
| Cost of funds | 0.64% | 41th pct | 49th pct |
| Loan-to-share | 48.57% | 34th pct | 46th pct |
| Delinquency 60+ days | 0.13% | 24th pct | 23th pct |
| Net charge-off ratio | 0.03% | 39th pct | 18th pct |
| Loan growth YoY | -1.68% | 55th pct | 44th pct |
| Share growth YoY | 6.07% | 81th pct | 80th pct |
| Efficiency ratio | 85.39% | 63th pct | 77th pct |
structural peer set hash: 005a3e5fc85db3f1d85c02879a377e56… (reproducible)
Closest structural peers
This is the free public view
Claim BAY SHORE
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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.