Side-by-side · Q2 2026 data
Tandem Federal Credit Union vs Blue Water Federal Credit Union
Credit union
Blue Water Federal Credit Union
Port Huron, Michigan · Under $100 million in assets
Metric by metric
| Measure | Tandem Federal Credit Union | Blue Water Federal Credit Union |
|---|---|---|
| TellerScore | 72 | 86 (stronger) |
| Capital cushion | 100 (stronger) | 94 |
| Loan quality | 51 | 92 (stronger) |
| Earnings | 26 | 49 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 94 | 99 (stronger) |
| Peer percentile | 44th | 80th |
| Total assets | $22.3M | $20.4M |
| Deposits / shares | $18.8M | $17.4M |
| Capital ratio | 16.49% (stronger) | 14.42% |
| Problem loans | 1.47% | 0.23% (stronger) |
| Net charge-offs | 0.78% | 0.35% (stronger) |
| Return on assets | 0.15% | 0.74% (stronger) |
| Loans ÷ deposits | 39.0% (stronger) | 48.0% |
| Uninsured deposits | 2.4% (stronger) | 5.5% |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Blue Water Federal Credit Union has the higher TellerScore (86 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Tandem Federal Credit Union leads on 3 and Blue Water Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.