BLUE WATER
Charter #12906 | MI
<100M
(2596 CUs)
Micro
($0-$500M)
61 <100M in MI
BLUE WATER has 2 strengths but faces 3 concerns
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
|
32nd in tier |
| 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
|
47th in tier |
| 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
|
47th in tier |
| 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
|
47th in tier |
| 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
|
36th in tier |
| 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
|
26th in tier |
| 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
|
68th in tier |
| Delinquency Rate | 0.1% | -1.5 |
1.5%
-2.0% YoY
|
0.9%
-19.7% YoY
|
1.2%
-0.9% YoY
|
Bottom 17.0% in tier |
| 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
|
41st in tier |
| 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
|
Top 16.3% in tier |
| 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
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
11.9%
-2.7% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
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)
Top Strengths (5 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
156
Net Charge-Off Rate
risk
Value:
-0.04%
Peer Avg: 0.57%
#156 of 2596
Top 6.0% in <100M tier
422
Average Member Relationship (AMR)
engagement
Value:
$21,318
Peer Avg: $14,627
#422 of 2596
Top 16.2% in <100M tier
443
Total Delinquency Rate (60+ days)
risk
Value:
0.05%
Peer Avg: 1.51%
#443 of 2596
Top 17.0% in <100M tier
540
Loan-to-Member Ratio (LMR)
engagement
Value:
$7,593
Peer Avg: $5,488
#540 of 2596
Top 20.8% in <100M tier
Top Weaknesses (4 metrics)
2409
First Mortgage Concentration (%)
balance_sheet
Value:
51.30%
Peer Avg: 14.49%
#2409 of 2596
Bottom 7.2% in <100M tier
2226
Members Per Employee (MPE)
engagement
Value:
191.000
Peer Avg: 365.701
#2226 of 2596
Bottom 14.3% in <100M tier
2029
Share Certificate Concentration (%)
balance_sheet
Value:
26.51%
Peer Avg: 15.37%
#2029 of 2596
Bottom 21.9% in <100M tier
2003
Fee Income Per Member
profitability
Value:
$14.78
Peer Avg: $182.96
#2003 of 2596
Bottom 22.9% in <100M tier