CU Explorer
Credit unions · Michigan · Q2 2026

Blue Water FCU

Credit union in Port Huron, MI · NCUA charter #12906 · Federal charter

Legal name: Blue Water

Latest filed figures, Q2 2026. Every number below comes from the credit union's own NCUA 5300 Call Report.

Total assets$20.4M
Total loans & leases$8.3M
Total shares & deposits$17.4M
Members1,201
Net worth$2.9M
Net worth / assets14.42%
Loans / assets40.83%
Return on assets (annualized)0.74%
Loan growth (YoY)−7.46%
Member growth (YoY)4.07%
Delinquency, all loans (60+ days)0.23%
CharterFederal charter
Asset band< $50M
NCUA peer group$10M–$50M
Sponsor typeGovernment

AI readiness

No public evidence

Nothing public says the credit union uses AI.

No public evidence found as of 2026-09-22. Checked: its website, announcements by AI vendors, news search. Absence of evidence is not evidence of absence; a credit union may use AI without saying so publicly.

Filed signals, from the credit union's own NCUA call report (Q2 2026): online membership application, online loan application, online loan payments, bill payment, e-Statements, external transfers / ACH, remote deposit capture. These are relationships and channels, not AI as such.

The AI Score runs from one to five stars; one star, no public evidence, is never shown on a credit union. Scores and sources for every credit union: CU AI Ready Report.

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