Side-by-side · Q2 2026 data
Blue Water Federal Credit Union vs United Churches 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 | United Churches Credit Union |
|---|---|---|
| TellerScore | 86 (stronger) | 67 |
| Capital cushion | 94 (stronger) | 53 |
| Loan quality | 92 (stronger) | 64 |
| Earnings | 49 | 55 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 99 (stronger) | 95 |
| Peer percentile | 80th | 34th |
| Total assets | $20.4M | $21.9M |
| Deposits / shares | $17.4M | $19.5M |
| Capital ratio | 14.42% (stronger) | 10.28% |
| Problem loans | 0.23% (stronger) | 1.08% |
| Net charge-offs | 0.35% | 0.25% (stronger) |
| Return on assets | 0.74% | 0.86% (stronger) |
| Loans ÷ deposits | 48.0% | 25.4% (stronger) |
| Uninsured deposits | 5.5% (stronger) | 6.1% |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Blue Water Federal Credit Union has the higher TellerScore (86 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Blue Water Federal Credit Union leads on 4 and United Churches Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.