Port Huron, Michigan · Peer group 3
Blue Water Credit Union
Blue Water Credit Union holds $19.9M in assets across 1,214 members as of Q1 2026 — about $16K of assets per member, on a charter dating to 1959. Charter number 12906, in the $10M-$50M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $19.9M |
|---|---|
| Total loans | $8.4M |
| Total shares (deposits) | $16.9M |
| Net worth | $2.9M |
| Members | 1,214 |
| Assets per member | $16K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 10.6% | |
|---|---|---|
| Loans | -3.5% | around the 44th percentile of its peer group |
| Deposits | 13.0% | higher than 96% of its peer group |
| Members | 3.8% | higher than 92% of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 49.4% | around the 36th percentile of its peer group |
|---|---|---|
| Net worth ratio | 14.5% | around the 56th percentile of its peer group |
| Return on assets | 0.50% | around the 42nd percentile of its peer group |
| Delinquency ratio | 0.44% | around the 43rd percentile of its peer group |
| Cash / assets | 10.9% | around the 49th percentile of its peer group |
| Borrowings / assets | 0.0% | around the 49th percentile of its peer group |
What this page does not show
Everything above is Blue Water Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Michigan — the comparison set a peer ratio is measured against.
- Warren Municipal Credit Union
Warren, MI
$20.8M · 1,306 members
- Electrical Workers Local 58 Credit Union
DETROIT, MI
$20.9M · 1,840 members
- International UAW Credit Union
DETROIT, MI
$21.1M · 1,736 members
- Frankfort Community Credit Union
FRANKFORT, MI
$18.0M · 2,147 members
- United Churches Credit Union
Taylor, MI
$21.9M · 1,148 members
- Tandem Credit Union
Warren, MI
$22.3M · 2,210 members
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