BLUE WATER
Federal • PORT HURON, Michigan • Est. 1959
Quick Facts
- Charter Number
- #12906
- Type
- Federal
- Established
- 1959
- Headquarters
- PORT HURON, Michigan 48060-5463
- Address
- 526 WATER ST RM 113
- Branches
- 3
- Members
- 1,131
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
1,131 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | BLUE WATER |
|---|---|
| Total Assets | $18.9M |
| Members | 1,131 |
| Loans Outstanding | $8.8M |
| Shares & Deposits | $15.9M |
| Net Worth | $2.9M |
| Net Worth Ratio | 15.17% |
| Loan-to-Share Ratio | 55.1% |
| Delinquency Rate | 0.05% |
| Net Income | +$65,898 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
3 locations
Blue Water Federal Credit Union
Main Office526 WATER ST RM 113
PORT HURON, MI 48060-5463
Flagship Federal Credit Union
3910 Lapeer Rd
Port Huron, MI 48060-2402
CU*Answers
6000 28th St SE Ste 100
Grand Rapids, MI 49546
Who Can Join BLUE WATER?
Membership Type: Community
Membership eligibility for BLUE WATER may vary. Contact the credit union directly to confirm qualification requirements.
Contact BLUE WATER directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Michigan RankingsFrequently Asked Questions
Yes. BLUE WATER is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, BLUE WATER has 1,131 members and a potential membership field of 2,500 people.
BLUE WATER's net worth ratio is 15.17% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 15.2%, BLUE WATER meets this threshold.
BLUE WATER operates 3 branch locations. The main office is located at 526 WATER ST RM 113, PORT HURON, MI 48060-5463.
BLUE WATER was established in 1959. It is a federal credit union chartered under charter number 12906. The institution has been serving members for 67 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or BLUE WATER. All financial data is for informational purposes only.