BLUE WATER Credit Union Profile

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BLUE WATER

Charter #12906 | NCUA Region 1 | FCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (810) 985-6993

Fax: (810) 985-4039

Founding Date: N/A

Website: http://www.bluewaterfcu.com

Personnel & Operations

President: Kerr, A. Raymond

Manager: Millsap, Theresa

FT Employees: 3

PT Employees: 4

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 06

Branches: 1

Hours: 9:ooam - 4:30pm est Monday - Friday

Credit Union Profile Summary

BLUE WATER is a FCU Credit Union. With a total of 1,154 members [1], this institution manages approximately $18,324,594 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 15.5% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at -4.96% [1].

Financial Snapshot

Total Assets [1]
$18,324,594

Total economic resources.

Total Loans [1]
$9,010,434

Total value of outstanding loans.

Total Deposits [1]
$15,093,756

Total funds deposited by members.

Members [1]
1,154

Number of active members.

Performance Ratios

Net Worth Ratio [1]
15.5%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
0.38%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
59.70%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
↓ -0.84%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
↓ -4.96%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
↓ -0.52%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

526 WATER ST RM 113

PORT HURON, MI, 48060-5463
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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

Rate This Credit Union

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Branch Locations

Found 4 branches reported by BLUE WATER (Charter #12906).

Main Office

Blue Water Federal Credit Union Main Office

Type: Corporate Office

526 WATER ST RM 113

Port Huron, MI 48060-5463

Phone: (810) 985-6993

Services: None specified

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Additional Branches

Flint

Fiserv - ONCU

Type: Corporate Office

3031 Airpark Dr N

Flint, MI 48507-3471

Phone: (800) 359-3362

Services: None specified

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Phoenix

Fiserv - CUSA

Type: Corporate Office

4801 E Thistle Landing Dr

Phoenix, AZ 85044-6459

Phone: (800) 568-2872

Services: None specified

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Port Huron

Flagship Federal Credit Union

Type: Corporate Office

3910 Lapeer Rd

Port Huron, MI 48060-2402

Phone: (810) 982-8575

Services: None specified

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