# SHORELINE
Two Rivers, WI · NCUA charter 66447 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/shoreline-66447

Who the members are: state charter, organized 1941. 8,023 members of 1,085,762 potential (0.7% of the field); checking penetration 74% (share draft accounts per 100 members); loans per 100 members 63.

**Verdict on the desk:** this could be *ordinary*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $153.1M |
| Members | 8,023 (2.8% YoY) |
| Full-time staff | 32 |
| Net worth | $16.0M |
| Net worth ratio | 10.5% (p32 of band) |
| ROA (annualized) | 0.59% (p42 of band) |
| Total delinquency | 0.44% (p36 of band) |
| Net charge-offs (annualized) | 0.07% (p16 of band) |
| Loans / shares | 94% (p96 of band) |
| Cash / assets | 7.0% |
| Borrowings / assets | 5.13% |
| Net interest margin | 3.71% (p52 of band) |
| Operating expense / assets | 4.10% (p65 of band) |
| Vehicles % of loans | 21% (p21 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 12% |
| Third-party paper % of net worth | 24% (p47 of band) |
| Vehicle delinquency | 0.41% (p38 of band) |
| Vehicle NCO | 0.24% (p33 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 62% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 102% |
| Core shares % of member funds | 65% |
| Certificates % of member funds | 21% |
| Average share balance | $6,557 |
| Participations bought / yr | $0 |
| Participations sold / yr | $1.8M |
| Participations outstanding | $1.0M |
| Loans outstanding per 100 members | 63% |
| Loans granted per 100 members, annualized | 12% |
| Average loan balance | $22,533 |
| Loans granted, annualized | $39.6M |

## Participation posture (from the same filings)

Bought $0 and sold $1.8M in the latest annualized quarter; $1.0M outstanding purchased (6.5% of net worth), $1.0M sold and retained. Sold in 3 and bought in 0 of the last 8 quarters. Shares 8.7% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **delinquency rising** (`aq_dq_rising`)
- **leaning on borrowings** (`str_borrowings`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | 3rd-party paper>100% NW |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | losing money |  |
| 2016-12 | 1 |  | losing money |
| 2017-03 | 1 |  |  |
| 2017-06 | 2 | loan book shrinking |  |
| 2017-09 | 1 |  | loan book shrinking |
| 2017-12 | 3 | net worth falling, leaning on borrowings |  |
| 2018-03 | 2 | members leaving | net worth falling, leaning on borrowings |
| 2018-06 | 2 |  |  |
| 2018-09 | 4 | net worth falling, delinquency rising |  |
| 2018-12 | 3 | assets shrinking | net worth falling, delinquency rising |
| 2019-03 | 3 | losing money | assets shrinking |
| 2019-06 | 3 | net worth falling | 3rd-party paper>100% NW |
| 2019-09 | 2 |  | net worth falling |
| 2019-12 | 2 |  |  |
| 2020-03 | 3 | net worth falling |  |
| 2020-06 | 5 | thin capital, delinquency rising, 3rd-party paper>100% NW | losing money |
| 2020-09 | 5 | margin squeeze | 3rd-party paper>100% NW |
| 2020-12 | 4 |  | delinquency rising |
| 2021-03 | 3 |  | members leaving |
| 2021-06 | 2 |  | margin squeeze |
| 2021-09 | 1 |  | net worth falling |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 2 | delinquency rising |  |
| 2023-03 | 2 | leaning on borrowings | delinquency rising |
| 2023-06 | 3 | delinquency rising |  |
| 2023-09 | 3 | losing money | delinquency rising |
| 2023-12 | 3 | members leaving | losing money |
| 2024-03 | 5 | delinquency rising, assets shrinking |  |
| 2024-06 | 3 |  | leaning on borrowings, members leaving |
| 2024-09 | 2 |  | assets shrinking |
| 2024-12 | 1 |  | delinquency rising |
| 2025-03 | 0 |  | thin capital |
| 2025-06 | 0 |  |  |
| 2025-09 | 4 | net worth falling, delinquency rising, loans>95% of shares, leaning on borrowings |  |
| 2025-12 | 4 |  |  |
| 2026-03 | 3 |  | loans>95% of shares |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-05-15 [Pitbull Setlist: What to Expect on the 2026 I’m Back! Tour - Ticketmaster Blog](https://news.google.com/rss/articles/CBMiWkFVX3lxTE13UlhrRjZJdFE0U2Q3M0pHclVWTXNpWUVOWmNuUmc3d1FMNTVSTVh4QTd1cGdBY0dQWU9QV19hMVd4WnhpMEFNeDZYVGVWUF9sUWJlY2ZWb01FZw?oc=5) · Ticketmaster Blog
- 2026-03-31 [$uicideboy$ Unveil 2026 'Grey Day Tour' Dates with Destroy Lonely, Shoreline Mafia & More - BroadwayWorld](https://news.google.com/rss/articles/CBMi1AFBVV95cUxPV1JDcVFrbVFJVzNtaEFnWU1VdHQ5cDRhYThqLVd2Qkt6VlpEX2dZWUVSZWFHV3FCbjdobDloaEpEdURUeDhEdUJXaEpYOU1ndXZBSW5SWUF6YlhvVmU0VVV5aTNMSEcxbUxpT09Rdk5uT2djOHhLd21RZE5BNlUtRHlTbGtlc3JHcDBCRVJZMU1fbWRUSGNwRkc4UE0wRTAyYmVBcmJLbmxCbk9nTWE3WExmNGNEMkpybS1meDZZYkdHeDhGVFpoWTUtemR3MWFhMXhwbg?oc=5) · BroadwayWorld
- 2026-06-03 [Green Bay group pays $10.8M for Ashwaubenon strip mall, plans revamp - Green Bay Press-Gazette](https://news.google.com/rss/articles/CBMi3wFBVV95cUxNa2pkSTFzbWFtQnVac1o4S2l3SGo1cWdNa3NJNkI1N1RuVjM4X0d0cGFnOTBFcDNORGg5amZfM2FITFVnYVF4OUhyejh0WmVTN2I1OERqN3Fpb2l0Qm1aeWtPelBud0VkbFBFdENxUWNTdXVCM0Z6dVp6MkZiMDJWZjZoMF9lSXZfQV82ZVFtYV9HU2Z2MVhXVC1QTmI3cW90b2E2a2ZXQThXMnMwS1c5X1NfNEtQOXFYM083d19DWEx2dENPYUZsOHNLdnl2Y01VZDRuUVA3dFdMMjZHN2l3?oc=5) · Green Bay Press-Gazette
- 2025-11-28 [Two Rivers Hometown Christmas Parade moved to Dec. 6 - Herald Times Reporter](https://news.google.com/rss/articles/CBMi1wFBVV95cUxQY1J0YWNCcHozUm9VY2tEdmVqc0JZSS1QWXV4R21fallxbkJHU3Z3NlN6dkFsVElsWmh0eDE0MnlpTkJVU28yWHVYeVBZdTZLUEJxQlRpWFowQV8zWlJEcktKTEQzWXp6Z1JUZmM0VENGa01CS29weGpkME8wTzVBMXIwUEVDQU1QclpabFlrOFRsaFNTOGdMa3M0WmJ5QXhlcjFjODZyUGZlN1BMVC1jeHJKSk5uYjZyWkY4Q29wakIyZVpLTDI0RkYwNEtDdkMtTzhfNFNzVQ?oc=5) · Herald Times Reporter
- 2026-03-31 [$uicideboy$ Announce 2026 "Grey Day Tour" - Consequence of Sound](https://news.google.com/rss/articles/CBMieEFVX3lxTE9ZV3pGUndteE1vWmU2Z3piZ2tNLVBndHFBQ0lKaFFael9qR01oLVRfVGtfNTMyc01EVWJnblFUdzNYeFlzUHptejFZZ1JuTVhoRHN2NlpGVnhyYkR6YWxoV0VMeU02WEljZDJVaXlwVWZjbmtYZGpfLQ?oc=5) · Consequence of Sound
- 2026-03-31 [$uicideboy$ Map Out North American Tour - Exclaim!](https://news.google.com/rss/articles/CBMifEFVX3lxTE9VT0VwRzJHeDZsQU9UT2l3WWZ0NEU3R0MzV3N2VDVKMjhTVndSN1JSOWJSbi1leFBWT3FrTmJGMlduaXVUblZvMW5pdWJiM1FhY2JwdFp0dkZBTFVZcGhGZ1JROWQ4c1BHeU9WcUItV25JaFg5blBBcEhfeEE?oc=5) · Exclaim!
- 2026-04-01 [$uicideboy$ have announced their annual Grey Day Tour - Kerrang!](https://news.google.com/rss/articles/CBMivAFBVV95cUxQeUtXT2ZwYkRFOWMza1ptM09KOS1BQW1KNC1UblZ0a3ZvaDM3aVVDRXZUUE0xUUttOFdpUmZzdG9lMjMwZXRDYkctOUFzZlU3WWViU0RRX05GQk11MnJ6QzY3SkhyaVBzbzBBRGpLc1R5ckQ3TGZRaXl2cGZSVWhXMEtRYW5oTnZjdWZJYzlhVWxjeE0tQjdJYVpYdGhoYnFLWmpPUG9xUGw2VFFBVTFqR1pWQmpTdmhJVnVxaQ?oc=5) · Kerrang!
- 2026-03-12 [The Pussycat Dolls Announce 53-Date "PCD Forever" World Tour With New Single "Club Song" Out Now - That Eric Alper](https://news.google.com/rss/articles/CBMizwFBVV95cUxORGE1M01sX2xRZDJ2c002M0NqYmZJRHEtVm5ydWNONk1vRUVKNXNZRkJlU1VMSUQwR3dIeE11aDUtQjNSYVBPNVN4OTFNOG9CYlpSNktabnQxdjZNTXpGbEhKaTJZeXJIQ0tOTkVPdjVFSVNESldTUnMxNFA3dmRNV1lIVDlYaW02eWdpOXhrcW9MZmRkUnZKTVN5TlkwejNJLWVJa2RhNGRfSmxVU0J3dDA1YWM4OExKYi1vczF5TUdQQTVzTDRNSHU5QzNtd0U?oc=5) · That Eric Alper

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=66447 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/15.json (key "66447", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=66447
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide