Blue Water

PORT HURON, MI · 1 · Charter #12906 · www.bluewaterfcu.com
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$18.9M
60th percentile
Members
1,131
40th percentile
Total loans
$8.8M
61th percentile
Total shares
$15.9M
61th percentile

Profitability

Return on assets
0.35%
29th percentile
Net interest margin
3.24%
25th percentile
Efficiency ratio
68.83%
45th percentile
Non-interest income ratio
2.34%
21th percentile

Capital & Risk

Net worth ratio
15.17%
51th percentile
Delinquency rate
0.05%
81th percentile
Net charge-off rate
-0.02%
92th percentile
Loan-to-share
55.08%
43th percentile

Growth

Member growth YoY
-3.00%
33th percentile
Asset growth YoY
-1.59%
32th percentile
Loan growth YoY
-3.50%
48th percentile
Share growth YoY
-1.21%
39th percentile

Operations

Members / branch
1,131
51th percentile
Assets / member
$16,732
91th percentile
Field of membership penetration
45.24%
61th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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