Side-by-side · Q2 2026 data
Blue Water Federal Credit Union vs Compass Credit Union
Credit union
Blue Water Federal Credit Union
Port Huron, Michigan · Under $100 million in assets
Metric by metric
| Measure | Blue Water Federal Credit Union | Compass Credit Union |
|---|---|---|
| TellerScore | 86 (stronger) | 74 |
| Capital cushion | 94 (stronger) | 58 |
| Loan quality | 92 (stronger) | 81 |
| Earnings | 49 | 58 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 99 (stronger) | 95 |
| Peer percentile | 80th | 63rd |
| Total assets | $20.4M | $101.1M |
| Deposits / shares | $17.4M | $89.9M |
| Capital ratio | 14.42% (stronger) | 10.79% |
| Problem loans | 0.23% (stronger) | 0.56% |
| Net charge-offs | 0.35% | 0.13% (stronger) |
| Return on assets | 0.74% | 0.95% (stronger) |
| Loans ÷ deposits | 48.0% (stronger) | 55.9% |
| Uninsured deposits | 5.5% | 1.6% (stronger) |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 15.0% |
Blue Water Federal Credit Union has the higher TellerScore (86 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Blue Water Federal Credit Union leads on 4 and Compass Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.