Official record
CDFI Fund list, 21 Oct 2026| Institution type | Credit union |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 12 Nov 2020 |
| RSSD ID | 708687 |
| Address | 4180 Western Blvd, Jacksonville, NC 28546 Directions (Google Maps) |
| Website | www.marinefederalhb.org |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Not yet verifiedThis lender's website blocked our automated reader on 2 Nov 2026 (we do not bypass bot protection), so we can't list its loan products, sizes or service area yet. That doesn't mean it lacks them. Check www.marinefederalhb.org or contact the lender directly.
Questions to ask when you contact them
We have no details from their website yet, so these are the basics to ask any lender. Something missing here does not mean they don't offer it: ask.
- What kinds of loans do you make, and which one fits what I need?
We have no loan details from their website. - Do you lend where I live, or where my business is?
- How do I become a member, and is there a fee or a minimum deposit?
Credit unions lend only to their members. - What are the smallest and the largest loans you make?
- What interest rate and fees should I expect? For a personal, car or home loan, ask for the APR.
- What documents will you need from me, and how long does a decision usually take?
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$2.1 million in 3 awards from the U.S. Treasury's CDFI Fund, 2019–2021 (CDFI Program, Technical Assistance; CDFI Rapid Response Program).
| Round year | Program | Amount |
|---|---|---|
| 2021 | CDFI Rapid Response Program | $1,826,265 |
| 2020 | CDFI Program, Technical Assistance | $125,000 |
| 2019 | CDFI Program, Technical Assistance | $125,000 |
Emergency Capital Investment Program (ECIP)
Treasury invested $9.7 million in this institution under ECIP, by buying preferred stock or subordinated debt (an investment, not a grant; it is not counted in the award total). ECIP type on the list: CDFI. Source: U.S. Treasury ECIP participant list (last updated Mar 2025), downloaded 3 Nov 2026.
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
NCUA, 30 Jun 2026On file with the NCUA as MARINE (charter 12977). Source: NCUA 5300 Call Report quarterly data (public data) as of 30 Jun 2026, downloaded 3 Nov 2026: total assets, members and branch addresses.
| Total assets | $1.1 billion (as of 30 Jun 2026) |
|---|---|
| Members | 76,859 (as of 30 Jun 2026) |
| Offices | 15 in 3 states (as of 30 Jun 2026) |
Offices by state and county (15)
North Carolina (12 offices)
- Craven County (1): 2034 Waterscape Way, New Bern 28562
- New Hanover County (1): 1039 S College Rd Ste 106, Wilmington 28403
- Onslow County (9): 4180 Western Blvd, Jacksonville 28546 (main office); 1231 Birch St, Camp Lejeune 28547; 1235 Birch St, Camp Lejeune 28547; 300 Freedom Way, Jacksonville 28544; 4180 Western Blvd, Jacksonville 28546; 4180 Western Blvd, Jacksonville 28546; 601 Richlands Hwy, Jacksonville 28540; 351 Kinston Hwy, Richlands 28574; 673 W Corbett Ave, Swansboro 28584
- Pender County (1): 467 Hwy 210, Holly Ridge 28445
South Carolina (1 office)
- Beaufort County (1): 265 Sea Island Pkwy, Beaufort 29907
Virginia (2 offices)
- Prince William County (1): 3500 Russell Rd, Quantico 22134
- Stafford County (1): 209 Garrisonville Rd, Stafford 22554
An office shows where the lender has a branch, not where it lends or whom it lends to. Credit unions serve members only; check who can join. For the ZIP-code search, credit-union offices are placed at the centre of their ZIP code (approximate).
What the regulator filing shows
NCUA 5300, 30 Jun 2026Figures from the 5300 Call Report filed by Marine Federal Credit Union (INC) (NCUA charter 12977, filed as “MARINE”). Source: NCUA 5300 Call Report quarterly data (public data), cycle 30 Jun 2026; year-earlier figures from the 30 Jun 2025 cycle; downloaded 3 Nov 2026.
| Total loans and leases | $853.7 million, 45,014 loans (as of 30 Jun 2026) |
|---|---|
| Change over the year | Up 17.3% from $727.5 million on 30 Jun 2025 |
| Members | 76,859 (as of 30 Jun 2026); 78,735 (as of 30 Jun 2025) |
| Loans per member | $11,107 (total loans divided by members, 30 Jun 2026) |
| Total assets | $1.10 billion (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| New vehicle loans | $36.6 million | 4.3% |
| Used vehicle loans | $162 million | 19.0% |
| First-lien home mortgages (1-4 family) | $121.6 million | 14.2% |
| Other real estate loans (junior liens, other) | $175 million | 20.5% |
| Commercial (business) loans | $167.9 million | 19.7% |
| Credit cards | $59 million | 6.9% |
| Other unsecured loans | $109.8 million | 12.9% |
| Leases and other secured loans | $21.8 million | 2.6% |
Balances are loans outstanding on the report date, not loans made during the year. A category with no balance does not mean the credit union never makes that kind of loan. Credit unions lend to members only; check who can join.
Home loans reported under HMDA (2025)
FFIEC HMDA data, 2025Marine Federal Credit Union (INC) reported 93 originated home loans for 2025 under the Home Mortgage Disclosure Act, totaling about $27M (median loan about $225,000). 67 were home-purchase loans.
By loan purpose
| Purpose | Loans | Share |
|---|---|---|
| Home purchase | 67 | 72% |
| Refinance (incl. 17 cash-out) | 18 | 19% |
| Home improvement | 8 | 8.6% |
By loan type
| Loan type | Loans | Share |
|---|---|---|
| Conventional | 91 | 98% |
Included above: 3 loans on manufactured homes.
Where the loans were made
Counties with the most 2025 originations, out of 23 counties with at least one; 88% of its 2025 loans were for properties in North Carolina:
- Onslow County, NC (54)
- Brunswick County, NC (4)
- Carteret County, NC (4)
- Craven County, NC (4)
- New Hanover County, NC (3)
- Pender County, NC (3)
- Spotsylvania County, VA (3)
Filed under LEI 549300OP5DX4ZL2E2S84 as “Marine Federal Credit Union”; matched by its RSSD ID on the CDFI Fund list, which the HMDA reporter panel links to this LEI.
Source: FFIEC Home Mortgage Disclosure Act (HMDA) data for 2025, snapshot frozen 2 Jun 2026, loan-level records read through the CFPB HMDA Data Browser API on 3 Nov 2026. Originated loans only; applications that were denied, withdrawn or not accepted are not counted. HMDA publishes each loan amount as the middle of a $10,000 band, so totals and medians are approximate. Counts under 3 are not shown. How we match lenders.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $1.10 billion | Larger than 67% of the 9 other certified credit unions in North Carolina (median $131.1 million). |
| Loans as a share of assets | 77% | Median of the same 9 credit unions: 68%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $727.5 million → $853.7 million (+17%) | Median change of 9 other certified credit unions in North Carolina: +2%. Rank by loans held among these 10: 5 → 5. |
| Home loans originated in 2025 (HMDA) | 93 | More than 42% of the 263 other certified CDFIs that reported 3 or more (120 at the median). Volume only; nothing here is an approval rate. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified credit unions in North Carolina | 9 | larger than 67% |
| Loans held then vs now | certified credit unions in North Carolina reporting both dates | 9 | rank 5 → 5 of 10 |
| HMDA home loans | certified CDFIs with 3+ originations in 2025, nationwide | 263 | more than 42% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section). Home loans: FFIEC/CFPB HMDA data.
Other certified CDFIs in Jacksonville and North Carolina
- Bragg Mutual FCUCredit union · Fayetteville, NCAuto / vehicle loansVerified
- Business Expansion Funding CorporationLoan fund · Charlotte, NCSBA-backed loans (7(a)/504/Community Advantage), Small-business loansVerified
- CAHEC Capital, Inc.Loan fund · Raleigh, NCAffordable housing development loansVerified
- Cares Project, Inc., TheLoan fund · Winston Salem, NCAuto / vehicle loansVerified
- Carolina Small Business Development Fund (The Support Center)Loan fund · Raleigh, NCMicroloans, SBA-backed loans (7(a)/504/Community Advantage), Small-business loansVerified
- Institute Capital, Inc.Loan fund · Durham, NCAffordable housing development loans, Small-business loansVerified
Work at Marine Federal Credit Union (INC)? Link to this page
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