Sep, 30, 2025 — BAY SHORE CREDIT UNION is a federally insured state chartered credit union headquartered in MARINETTE, WI with 1 branch location and about $46.04 million in total assets. Opened 73 years ago in 1953, BAY SHORE CREDIT UNION has about 3,316 members and employs 10 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | BAY SHORE CREDIT UNION |
|---|---|
| Address: (Main Office) | 1514 Cleveland Ave MARINETTE, WI 54143-3921 |
| Phone: | (715) 732-0065 |
| Fax: | (715) 732-2794 |
| Website: | https://www.bayshorecu.org |
| Branches: | 1 branch locations |
| Members: | 3,316 |
| Credit Union Type: | Federally Insured State Chartered Credit Union |
| Charter Number: | 66549 |
|---|---|
| Membership Type: | State chartered natural person |
| Corporate Credit Union: | No |
| Year Opened: | 1953 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $46,043,038 |
| CEO/Manager: | Vicki Carviou |
| Chairperson: | Mitch Hubert |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 1,954,595 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 3,219,870 |
| Unsecured Loans | 1,048,679 |
| Other Loans | 14,998,300 |
| TOTAL LOANS | 19,266,849 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -144,978 |
| Land And Building | 206,986 |
| Other Fixed Assets | 42,468 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 338,640 |
| All Other Assets | 0 |
| TOTAL ASSETS | 46,043,038 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 24,969 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 881,055 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 5,777,490 |
| Regular shares | 23,510,916 |
| All Other Shares & Deposits | 7,478,656 |
| TOTAL SHARES & DEPOSITS | 36,767,063 |
| TOTAL LIABILITIES | 37,673,096 |
| Regular Reserve | 0 |
| Other Reserves | 0 |
| Undivided Earnings | 8,369,942 |
| TOTAL EQUITY | 8,369,942 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 46,043,038 |
| INCOME & EXPENSE | |
| Loan Income | 817,951 |
| Investment Income | 825,857 |
| Other Income | 86,970 |
| Total Employee Compensation & Benefits | 507,285 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 772,919 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 54,844 |
| Cost of Funds | 181,534 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 374,403 |
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