MARINE
Charter #66752 · La Crosse, WI · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.91% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 5.57% ranks in the 98th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 2.82% sits at the 79th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.89% sits at the 93rd percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.52% sits at the 75th percentile of structural peers — worth a closer look.
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 | $1.10B | 7th pct | 48th pct |
| Members | 74,860 | 23th pct | 70th pct |
| Net worth ratio | 12.39% | 75th pct | 72th pct |
| Return on average assets | 0.91% | 65th pct | 75th pct |
| Net interest margin | 5.57% | 100th pct | 98th pct |
| Cost of funds | 2.82% | 92th pct | 79th pct |
| Loan-to-share | 107.02% | 98th pct | 92th pct |
| Delinquency 60+ days | 1.89% | 97th pct | 93th pct |
| Net charge-off ratio | 0.52% | 51th pct | 75th pct |
| Loan growth YoY | 0.89% | 39th pct | 36th pct |
| Share growth YoY | 1.83% | 16th pct | 16th pct |
| Efficiency ratio | 81.06% | 80th pct | 64th pct |
structural peer set hash: 27b631ad815b298b33c03d9ba711797d… (reproducible)
Closest structural peers
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Claim MARINE
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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.