BlastPoint's Credit Union Scorecard
BLUE WATER
Charter #12906 · MI
BLUE WATER has 4 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.36% above tier average
- + Deposit Growth Rate: Top 4.9% in tier
- + Asset Growth Rate: Top 6.5% in tier
- + Member Growth Rate: Top 9.1% in tier
Key Concerns
Areas that may need attention
- - First Mortgage Concentration (%): Bottom 6.2% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,214
+3.8% YoY+7.3% QoQ
|
-1.5K |
2,676
+1.6% YoY
|
36,022
+6.3% YoY
|
33,913
+5.7% YoY
|
34% |
| Assets |
$19.9M
+10.6% YoY+5.3% QoQ
|
$-10.3M |
$30.2M
+1.3% YoY
|
$705.1M
+14.1% YoY
|
$578.3M
+9.0% YoY
|
47% |
| Loans |
$8.4M
-3.5% YoY-4.6% QoQ
|
$-6.9M |
$15.3M
-2.0% YoY
|
$480.6M
+13.6% YoY
|
$402.4M
+8.7% YoY
|
47% |
| Deposits |
$16.9M
+13.0% YoY+6.3% QoQ
|
$-8.9M |
$25.8M
+0.7% YoY
|
$601.5M
+14.1% YoY
|
$494.3M
+9.1% YoY
|
48% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.5%
-48.1% YoY+45.3% QoQ
|
+0.4% |
0.1%
-77.6% YoY
|
0.9%
+85.7% YoY
|
0.4%
-39.2% YoY
|
45% |
| NIM |
3.0%
-16.1% YoY-7.4% QoQ
|
-1.0% |
4.0%
+4.0% YoY
|
3.7%
+3.8% YoY
|
3.8%
+4.1% YoY
|
19% |
| Efficiency Ratio |
74.1%
+0.8% YoY-17.3% QoQ
|
-16.5% |
90.6%
+6.5% YoY
|
75.8%
-7.1% YoY
|
84.6%
+2.8% YoY
|
33% |
| Delinquency Rate | 0.4% | -1.1 |
1.5%
+3.8% YoY
|
0.7%
-7.8% YoY
|
1.2%
+3.4% YoY
|
41% |
| Loan To Share |
49.4%
-14.6% YoY-10.2% QoQ
|
-9.1% |
58.5%
-3.0% YoY
|
65.1%
-0.0% YoY
|
65.6%
-1.4% YoY
|
35% |
| AMR |
$20,839
+3.0% YoY-4.6% QoQ
|
+$6K |
$14,884
-1.7% YoY
|
$22,971
+5.9% YoY
|
$19,920
+1.6% YoY
|
81% |
| CD Concentration |
29.4%
+20.9% YoY+5.1% QoQ
|
+5.1% | 24.3% | 18.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 11.7% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)