BLUE WATER
Charter #12906 · PORT HURON, MI · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 1,214 sits at the 15th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.67% sits at the 84th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 35th percentile but its structural peers at the 13th — a 22-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | BLUE WATER | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $19.92M | 35th pct | 13th pct |
| Members | 1,214 | 13th pct | 15th pct |
| Net worth ratio | 14.54% | 56th pct | 54th pct |
| Return on average assets | 0.52% | 42th pct | 43th pct |
| Net interest margin | 3.08% | 19th pct | 36th pct |
| Cost of funds | 1.28% | 70th pct | 69th pct |
| Loan-to-share | 49.43% | 36th pct | 39th pct |
| Delinquency 60+ days | 0.44% | 43th pct | 59th pct |
| Net charge-off ratio | 0.67% | 78th pct | 84th pct |
| Loan growth YoY | -3.82% | 40th pct | 30th pct |
| Share growth YoY | 7.63% | 90th pct | 87th pct |
| Efficiency ratio | 74.10% | 36th pct | 30th pct |
structural peer set hash: e18f7ef0f49e016cbc14b4a46fed3a3d… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.