Breakwater

HOUGHTON, MI · 1 · Charter #8212 · www.breakwaterfcu.org
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$135.0M
66th percentile
Members
10,422
71th percentile
Total loans
$82.5M
66th percentile
Total shares
$117.8M
67th percentile

Profitability

Return on assets
1.79%
87th percentile
Net interest margin
3.95%
66th percentile
Efficiency ratio
59.74%
59th percentile
Non-interest income ratio
20.88%
68th percentile

Capital & Risk

Net worth ratio
12.60%
55th percentile
Delinquency rate
0.41%
72th percentile
Net charge-off rate
0.08%
88th percentile
Loan-to-share
70.04%
53th percentile

Growth

Member growth YoY
0.56%
65th percentile
Asset growth YoY
8.29%
82th percentile
Loan growth YoY
0.44%
45th percentile
Share growth YoY
5.88%
71th percentile

Operations

Members / branch
10,422
98th percentile
Assets / member
$12,951
37th percentile
Field of membership penetration
20.84%
71th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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