Houghton, Michigan · Peer group 5
Breakwater Credit Union
Breakwater Credit Union holds $138.4M in assets across 10,390 members as of Q1 2026 — about $13K of assets per member, on a charter dating to 1952. Charter number 8212, in the $100M-$500M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $138.4M |
|---|---|
| Total loans | $80.0M |
| Total shares (deposits) | $120.2M |
| Net worth | $17.8M |
| Members | 10,390 |
| Assets per member | $13K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 8.1% | |
|---|---|---|
| Loans | -1.8% | around the 25th percentile of its peer group |
| Deposits | 6.1% | around the 74th percentile of its peer group |
| Members | 0.1% | around the 55th percentile 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 | 66.6% | around the 39th percentile of its peer group |
|---|---|---|
| Net worth ratio | 13.3% | around the 73rd percentile of its peer group |
| Return on assets | 2.17% | higher than 98% of its peer group |
| Delinquency ratio | 0.37% | around the 29th percentile of its peer group |
| Cash / assets | 9.6% | around the 44th percentile of its peer group |
| Borrowings / assets | 0.0% | around the 40th percentile of its peer group |
What this page does not show
Everything above is Breakwater 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.
- Walled Lake Schools Credit Union
Wolverine Lake, MI
$137.5M · 5,048 members
- Ukrainian Selfreliance Michigan Credit Union
Warren, MI
$140.1M · 4,411 members
- Integra First Credit Union
Powers, MI
$135.6M · 11,554 members
- Lenco Credit Union
Adrian, MI
$143.6M · 7,565 members
- Sunrise Family Credit Union
Bay City, MI
$132.9M · 11,117 members
- Financialedge Credit Union
Bay City, MI
$144.8M · 8,792 members
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