Blue Water
Port Huron, MI · Charter 12906 · Peer group: credit unions under $1B in assets in MI (n=56)
NCUA · 3 branches
Q2 2026
$20.4MAssets
$8.3MLoans
$17.4MShares
$2.9MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 87% of credit unions under $1B in assets in MI (rank 8 of 56).
- Widest gap: net interest margin trails 91% of credit unions under $1B in assets in MI (rank 51 of 56).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
0.73%
Rank 43 of 56
Net Interest Margin
3.01%
Rank 51 of 56
Efficiency Ratio
71.17%
Rank 27 of 56
Equity / Assets
14.42%
Rank 13 of 56
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.73% | 0.74% | 1.15% | 1.47% | Beats 23% | 43 / 56 | |
| Return on Equity | 5.09% | 6.40% | 9.29% | 11.51% | Beats 18% | 46 / 56 | |
| Net Interest Margin | 3.01% | 3.40% | 3.92% | 4.36% | Beats 9% | 51 / 56 | |
| Efficiency Ratio | 71.17% | 65.99% | 72.16% | 78.25% | Beats 54% | 27 / 56 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.23% | 0.49% | 0.84% | 1.28% | Beats 87% | 8 / 56 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 14.42% | 10.20% | 12.14% | 14.32% | Beats 77% | 13 / 56 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 14.42% | 10.20% | 12.14% | 14.32% | Beats 77% | 13 / 56 | |
| Liquidity & Funding |
| Loans / Deposits | 48.01% | 52.28% | 65.96% | 76.17% | 18th pctl | 46 / 56 | |
| Loans / Assets | 40.83% | 45.34% | 56.55% | 67.04% | 20th pctl | 45 / 56 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |