BlastPoint's Credit Union Scorecard

BLUE WATER

Charter #12906 · MI

2556 CUs in <100M nationally 59 in MI

BLUE WATER has 2 strengths but faces 4 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 6.4% in tier

Key Concerns

Areas that may need attention

- ROA 0.28% below tier average
- Efficiency ratio 7.01% above tier (higher cost structure)
- Member decline: -3.0% YoY
- First Mortgage Concentration (%): Bottom 5.9% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Members	1,131 -3.0% YoY-1.3% QoQ	-1.5K	2,615 -1.9% YoY	35,710 +6.8% YoY	33,374 +5.7% YoY	31%
Assets	$18.9M -1.6% YoY+0.4% QoQ	$-11.2M	$30.1M +2.1% YoY	$674.6M +13.3% YoY	$561.6M +9.7% YoY	47%
Loans	$8.8M -3.5% YoY+0.8% QoQ	$-7.0M	$15.8M -1.3% YoY	$472.4M +13.5% YoY	$397.0M +8.8% YoY	48%
Deposits	$15.9M -1.2% YoY+1.3% QoQ	$-9.8M	$25.7M +1.4% YoY	$573.0M +13.1% YoY	$477.3M +9.7% 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	0.3% -45.7% YoY-28.8% QoQ	-0.3%	0.6% +10.8% YoY	0.9% -8.5% YoY	0.7% +15.9% YoY	32%
NIM	3.2% +0.5% YoY-0.4% QoQ	-0.7%	4.0% +4.0% YoY	3.8% +7.8% YoY	3.8% +5.1% YoY	26%
Efficiency Ratio	89.6% +16.4% YoY+4.9% QoQ	+7.0%	82.6% -2.3% YoY	75.4% -1.6% YoY	79.7% -3.3% YoY	74%
Delinquency Rate	0.0% -0.8% QoQ	-1.5	1.6% -3.1% YoY	0.9% -8.5% YoY	1.3% -2.1% YoY	16%
Loan To Share	55.1% -2.3% YoY-0.4% QoQ	-5.5%	60.6% -3.1% YoY	67.1% -0.1% YoY	67.4% -1.7% YoY	42%
AMR	$21,844 +1.0% YoY+2.5% QoQ	+$7K	$14,783 -1.4% YoY	$22,475 +5.7% YoY	$19,687 +2.0% YoY	85%
CD Concentration	28.0% +36.5% YoY+5.5% QoQ	+3.5%	24.4%	18.6%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	11.8%	7.8%	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 2556 peers in tier

Top Strengths (5 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 2556 Top 0.0% in <100M tier

164

Net Charge-Off Rate

risk

Value: -0.02%

Peer Median: -

#164 of 2556 Top 6.4% in <100M tier

391

Average Member Relationship (AMR)

engagement

Value: $21,844

Peer Median: -

#391 of 2556 Top 15.3% in <100M tier

407

Total Delinquency Rate (60+ days)

risk

Value: 0.05%

Peer Median: -

#407 of 2556 Top 15.9% in <100M tier

506

Loan-to-Member Ratio (LMR)

engagement

Value: $7,758

Peer Median: -

#506 of 2556 Top 19.8% in <100M tier

Top Weaknesses (4 metrics)

2407

First Mortgage Concentration (%)

balance_sheet

Value: 55.15%

Peer Median: -

#2407 of 2556 Bottom 5.9% in <100M tier

2048

Share Certificate Concentration (%)

balance_sheet

Value: 27.97%

Peer Median: -

#2048 of 2556 Bottom 19.9% in <100M tier

2032

Members Per Employee (MPE)

engagement

Value: 226.200

Peer Median: -

#2032 of 2556 Bottom 20.5% in <100M tier

1949

Fee Income Per Member

profitability

Value: $17.00

Peer Median: -

#1949 of 2556 Bottom 23.8% in <100M tier