BlastPoint's Credit Union Scorecard

BLUE WATER

Charter #12906 · MI

2596 CUs in <100M nationally 61 in MI

BLUE WATER has 2 strengths but faces 3 concerns

National Analysis

How does the industry compare?

MI Analysis

How does MI stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Net Charge-Off Rate: Top 6.0% in tier

Key Concerns

Areas that may need attention

- ROA 0.20% below tier average
- Efficiency ratio 3.97% above tier (higher cost structure)
- First Mortgage Concentration (%): Bottom 7.2% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Members	1,146 -1.5% YoY-0.7% QoQ	-1.5K	2,625 -2.2% YoY	35,456 +8.6% YoY	33,089 +6.1% YoY	32%
Assets	$18.8M -1.4% YoY+2.8% QoQ	$-11.0M	$29.9M +1.1% YoY	$650.8M +12.6% YoY	$547.7M +7.8% YoY	47%
Loans	$8.7M -5.7% YoY-3.4% QoQ	$-7.1M	$15.8M -2.4% YoY	$461.6M +14.9% YoY	$388.7M +8.6% YoY	47%
Deposits	$15.7M -2.1% YoY+4.2% QoQ	$-9.7M	$25.5M +0.4% YoY	$550.3M +12.5% YoY	$464.6M +9.3% YoY	47%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.5% -15.9% YoY+22.1% QoQ	-0.2%	0.7% -731.4% YoY	0.8% -27.1% YoY	0.7% +273.4% YoY	36%
NIM	3.3% +1.0% YoY-1.1% QoQ	-0.7%	3.9% +3.8% YoY	3.7% +8.5% YoY	3.7% +5.0% YoY	26%
Efficiency Ratio	85.4% +11.6% YoY-3.0% QoQ	+4.0%	81.4% -2.4% YoY	76.1% -1.3% YoY	79.1% -3.3% YoY	68%
Delinquency Rate	0.1%	-1.5	1.5% -2.0% YoY	0.9% -19.7% YoY	1.2% -0.9% YoY	17%
Loan To Share	55.3% -3.7% YoY-7.3% QoQ	-5.9%	61.2% -3.0% YoY	68.1% +0.3% YoY	68.0% -1.7% YoY	41%
AMR	$21,318 -2.0% YoY+2.1% QoQ	+$7K	$14,627 -2.7% YoY	$22,054 +2.5% YoY	$19,418 +1.3% YoY	84%
CD Concentration	26.5% +54.6% YoY+10.8% QoQ	+2.1%	24.4% +4.2% YoY	18.6% +6.0% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	0.0%	-14.0%	14.0% -5.7% YoY	11.9% -2.7% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Compare against:

Comparing against 2596 peers in tier

Top Strengths (5 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 2596 Top 0.0% in <100M tier

156

Net Charge-Off Rate

risk

Value: -0.04%

Peer Avg: -

#156 of 2596 Top 6.0% in <100M tier

422

Average Member Relationship (AMR)

engagement

Value: $21,318

Peer Avg: -

#422 of 2596 Top 16.2% in <100M tier

443

Total Delinquency Rate (60+ days)

risk

Value: 0.05%

Peer Avg: -

#443 of 2596 Top 17.0% in <100M tier

540

Loan-to-Member Ratio (LMR)

engagement

Value: $7,593

Peer Avg: -

#540 of 2596 Top 20.8% in <100M tier

Top Weaknesses (4 metrics)

2409

First Mortgage Concentration (%)

balance_sheet

Value: 51.30%

Peer Avg: -

#2409 of 2596 Bottom 7.2% in <100M tier

2226

Members Per Employee (MPE)

engagement

Value: 191.000

Peer Avg: -

#2226 of 2596 Bottom 14.3% in <100M tier

2029

Share Certificate Concentration (%)

balance_sheet

Value: 26.51%

Peer Avg: -

#2029 of 2596 Bottom 21.9% in <100M tier

2003

Fee Income Per Member

profitability

Value: $14.78

Peer Avg: -

#2003 of 2596 Bottom 22.9% in <100M tier