# BAY SHORE
Marinette, WI · NCUA charter 66549 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/bay-shore-66549

Who the members are: state charter, organized 1953. 3,301 members of 101,000 potential (3.3% of the field); checking penetration 52% (share draft accounts per 100 members); loans per 100 members 59.

**Verdict on the desk:** this could be *auto monoline*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $48.4M |
| Members | 3,301 (-0.7% YoY) |
| Full-time staff | 10 |
| Net worth | $8.8M |
| Net worth ratio | 18.1% (p67 of band) |
| ROA (annualized) | 0.72% (p57 of band) |
| Total delinquency | 0.13% (p27 of band) |
| Net charge-offs (annualized) | 0.03% (p53 of band) |
| Loans / shares | 49% (p36 of band) |
| Cash / assets | 32.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.94% (p53 of band) |
| Operating expense / assets | 3.93% (p58 of band) |
| Vehicles % of loans | 63% (p51 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.18% (p39 of band) |
| Vehicle NCO | 0.10% (p72 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 19% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 81% |
| Certificates % of member funds | 10% |
| Average share balance | $6,170 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 59% |
| Loans granted per 100 members, annualized | 15% |
| Average loan balance | $9,759 |
| Loans granted, annualized | $5.3M |

## Flags firing in the latest filing

- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 2 | net worth falling, delinquency rising |  |
| 2017-09 | 1 |  | net worth falling |
| 2017-12 | 1 |  |  |
| 2018-03 | 0 |  | delinquency rising |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | auto monoline |  |
| 2018-12 | 0 |  | auto monoline |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | auto monoline |  |
| 2020-03 | 2 | delinquency rising |  |
| 2020-06 | 3 | net worth falling |  |
| 2020-09 | 2 |  | auto monoline |
| 2020-12 | 2 | margin squeeze | delinquency rising |
| 2021-03 | 4 | delinquency rising, auto monoline |  |
| 2021-06 | 2 |  | delinquency rising, auto monoline |
| 2021-09 | 2 |  |  |
| 2021-12 | 3 | auto monoline |  |
| 2022-03 | 1 |  | margin squeeze, auto monoline |
| 2022-06 | 1 | delinquency rising | net worth falling |
| 2022-09 | 0 |  | delinquency rising |
| 2022-12 | 1 | members leaving |  |
| 2023-03 | 0 |  | members leaving |
| 2023-06 | 0 |  |  |
| 2023-09 | 1 | assets shrinking |  |
| 2023-12 | 2 | auto monoline |  |
| 2024-03 | 3 | delinquency rising |  |
| 2024-06 | 2 |  | assets shrinking |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 | net worth falling | delinquency rising |
| 2025-09 | 2 |  |  |
| 2025-12 | 1 |  | net worth falling |
| 2026-03 | 1 |  |  |

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

- 2026-09-08 [Real Madrid faces Inter Milan as the Champions League returns - ehextra.com](https://news.google.com/rss/articles/CBMi5gFBVV95cUxQYmg1Y3ZxODd4WF9qZGxSejZwRERGd1NmTEpIVi1CcTlrazRsSUV0MjRSU19uNjRqUUlyc2R5NjZwREpUU0hXR1JrRGt6WmJuVDlkdWxmdk5IUHByeXJtSVhlNWhfcTYtOFJ3ZGVGd1Zqb2t4SU1fc3F3V3RLZVJtV1hZWHpSX2w4M2R6dFdjWkpEZnRhSzNkb2xvSUxIUFJaVmlaRS1fLXhCWXNtUGRtZF9YZ2VpNXdvcER6eWpmYVAtckVmZkt1ZnhBNUZfS0hHMVdOa0Rqd0JEenZUVEFhM0lIZE0ydw?oc=5) · ehextra.com
- 2026-08-19 [Moving dirt - ehextra.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxORHdmWHR4b0p4d1hsM0ZfRVVkdUVaOXBCMkdGUk90YWxnZ3ZhOE1tajBsWDREV3RFWEZpY0ZXRnRQOV95ZHNhZnNtbE1ldWFzTVdzM204dFdvREN1SHpKeG0tUnBMZGpjNHVhWDY1bk1KU3NZN1FtZHhVTmliUTlHaGZyYVlDa28wam85UHg4Nmp3dw?oc=5) · ehextra.com
- 2026-04-30 [John Rastall - ehextra.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxQejcyRFBKLW5OSGYxdVZsUURNdnBuYV9QTjBQVHlaSjZwVjUwblVkTWVLMGp1VXZPdl9nWnMtNlo5TmN1TnlDUGtFOUV0bWlxaEJUYWpiVzlwSmgwMkdfckVfVUlIUVhUYWlKOE1mMXB1dDZjVjV3cDFTS05TdGFVNkFIdmwtbWt5OTBobDRDcTBGU3dNc1E?oc=5) · ehextra.com
- 2018-09-04 [Anything freestanding banks can do, supermarket branches can too - Long Island Business News](https://news.google.com/rss/articles/CBMilwFBVV95cUxOa1VYN1ctak5wWTVqWlFEcDJYMlNpZUR0R1dmX2tWTnV6OWY5dExycVlPTmZHVUFKYWpiX2tFeFF2UERrT2tLd18yMXdpQVhyLVJJd0lPZm9RellFc0tSdmNFYU1xMlo5Z25CWnREalJJMzNlWXd4QWIzQW0yS3dRT3lEWVlmSDJ5YU1aMTljTUZwNldvSjhv?oc=5) · Long Island Business News
- 2018-07-01 [Jeffrey Schnitzer Obituary (1961 - 2018) - Las Cruces, WI - Las Cruces Sun-News - legacy.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxPMTVwTDJNVVFaZHFHa0JCbERMQU1nU0lsVHVuVVhYVGNVSUQxNHd0UFA5bWNWVlRxZWxjWVB2VnNPNzlmSUtlMTlrSjB5RVlNNEhqWUs1ejYwODlmaVVqeWFzU0kzMHcxSEkzSVBTMmpMWnVqYUQ5dUxrY3RRN0tYQjVxbXlyN1FXOTk2SDhlZ3BMWjFXV2c?oc=5) · legacy.com
- 2024-10-07 [Great South Bay Brewery opens third Long Island location - Long Island Business News](https://news.google.com/rss/articles/CBMijgFBVV95cUxOTE5wUXE4czRwRGxpLUhSdGU4WEhRQUZ2Zl9kVVNPSnNFSDAzTWRHTExIRDlnS0diVVNXSWk0UFJmc3ZCeklWcGlxU3JYVmVwYkRPQVE5YTZKS01CTFdvQnh0WFYzdlNBaHozTWc2ZWdkSHlwQ1Q4eS15UmJHbDZCdnM5U3FRMHRGcWFiUy13?oc=5) · Long Island Business News
- 2023-04-16 [New trail on Bay Shore Walkway should debut around mid-summer - ehextra.com](https://news.google.com/rss/articles/CBMi1wFBVV95cUxNUk9TUC1Kd2ZSSXprOEZrdGJBVTNTSmh0WlFaN2JzV1FMOXZYN1YyLVFES0x5WkltaklsMUlHVDctb2ZHV0ljRS04OEpKSXFZeFhWU2RVZ1Q5bGdwWGJuZE1NbkJFUzZaQmVROHZXQmtaRmJ6ay1MdndRajFvUlhRVVhCcWNQMWRUN3EtdmItWFFRb2wwN3Nyd0wxV2JBYklOU085U1oybmtJSmxycmFycXZucEllR1cxM3dWY1pxZDZOUlBzNVZOdTI4OUNfdkxaelFieDRvYw?oc=5) · ehextra.com
- 2023-12-07 [Local students' ornaments displayed in Capitol - ehextra.com](https://news.google.com/rss/articles/CBMizAFBVV95cUxQTC1ZRDhtcjBxOVBrSWZ3RmR5akc2RU1meXBjV2t1Zko1Sk1LN2F5ajBnamc3NThCU3h6NG1hTWxHOG01U0xobjV5bVFGZlZlak5wbHM3aDhEblN2cUlDeU5sT01iRmRsZnh1bnBNby1nMXdTRllPTWpCNjd4UzhsUUp6UDY4OUFnSDZhdUdnbFFxSUNFekF1Z1JRZ3hfaVB4WTVuYmk5OXgyLWhVQkZCLVJ3R1BTWUQ4SlNJNEc2QS12NkUxZUdpYS1uSmQ?oc=5) · ehextra.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=66549 (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/53.json (key "66549", 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=66549
- 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