DOW

Charter #60137 | MI

1B-3B (304 CUs) Mid-Market (380 CUs)
19 1B-3B in MI

DOW has 6 strengths but faces 4 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 28.6% in tier
  • + Relationship Depth Leader: Top 30.9% in tier
  • + Wallet Share Momentum: Top 31.2% in tier
  • + ROA 0.03% above tier average
  • + Efficiency Ratio: Top 6.2% in tier
  • + Average Member Relationship (AMR): Top 6.9% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 10.7% in tier
  • - Credit Quality Pressure: Bottom 23.1% in tier
  • - Net Interest Margin (NIM): Bottom 2.6% in tier
  • - Loan-to-Share Ratio: Bottom 3.6% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (MI) National Avg Tier Percentile
Members 83,478
+1.4% YoY+0.2% QoQ
 -15.2K 98,678
-1.9% YoY
 35,456
+8.6% YoY
 33,089
+6.1% YoY
 44th in tier
Assets $2.5B
+6.7% YoY+0.5% QoQ
 +$772.4M $1.7B
+0.5% YoY
 $650.8M
+12.6% YoY
 $547.7M
+7.8% YoY
 Top 16.1% in tier
Loans $1.2B
-1.8% YoY-1.4% QoQ
 $-2.5M $1.2B
+0.5% YoY
 $461.6M
+14.9% YoY
 $388.7M
+8.6% YoY
 60th in tier
Deposits $2.2B
+6.3% YoY-0.2% QoQ
 +$765.1M $1.5B
+1.3% YoY
 $550.3M
+12.5% YoY
 $464.6M
+9.3% YoY
 Top 10.9% in tier
ROA 0.7%
+10.6% YoY+10.9% QoQ
 +0.0% 0.7%
+13.4% YoY
 0.8%
-27.1% YoY
 0.7%
+273.4% YoY
 59th in tier
NIM 2.0%
+21.6% YoY+1.3% QoQ
 -1.3% 3.3%
+9.3% YoY
 3.7%
+8.5% YoY
 3.7%
+5.0% YoY
 Bottom 2.3% in tier
Efficiency Ratio 59.6%
-6.4% YoY-2.5% QoQ
 -14.4% 74.0%
-10.9% YoY
 76.1%
-1.3% YoY
 79.1%
-3.3% YoY
 Bottom 6.2% in tier
Delinquency Rate 0.4%
+10.6% YoY+5.9% QoQ
 -0.5 0.8%
+6.1% YoY
 0.9%
-19.7% YoY
 1.2%
-0.9% YoY
 Bottom 18.1% in tier
Loan To Share 55.4%
-7.6% YoY-1.2% QoQ
 -29.7% 85.2%
-0.8% YoY
 68.1%
+0.3% YoY
 68.0%
-1.7% YoY
 Bottom 3.3% in tier
AMR $41,328
+1.9% YoY-0.8% QoQ
 +$12K $29,172
+2.8% YoY
 $22,054
+2.5% YoY
 $19,418
+1.3% YoY
 Top 7.2% in tier
CD Concentration 39.6%
-0.4% YoY+2.6% QoQ
 +10.6% 29.0%
+0.8% YoY
 18.6%
+6.0% YoY
 19.6%
+6.2% YoY
 Top 12.1% in tier
Indirect Auto % 29.3%
-5.7% YoY+0.0% QoQ
 +10.5% 18.8%
-2.8% YoY
 11.9%
-2.7% YoY
 7.9%
-2.9% YoY
 73rd in tier

Signature Analysis

Strengths (3)

Organic Growth Engine

growth
#208 of 246 • Top 28.6% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 1.37%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
Return on Assets: 0.73%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Indirect Auto %: 29.32%
(Tier: 18.80%, National: 7.90%)
but worse than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY | Rank worsening

Relationship Depth Leader

growth
#224 of 264 • Top 30.9% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 1.88%
(Tier: 3.04%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $2.7K
(Tier: $3.1K, National: $2.0K)
but worse than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank worsening

Wallet Share Momentum

growth
#226 of 264 • Top 31.2% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 1.88%
(Tier: 3.04%, National: 4.19%)
but worse than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank worsening

Concerns (2)

Indirect Auto Dependency

risk
#67 of 202 • Bottom 10.7% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 6.71%
(Tier: 5.36%, National: 3.04%)
but better than tier avg
Indirect Auto %: 29.32%
(Tier: 18.80%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 1.37%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
202 of 380 Mid-Market CUs have this signature | 768 nationally
↓ Shrinking -7 CUs YoY | Rank improving

Credit Quality Pressure

risk
#178 of 217 • Bottom 23.1% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.03% points
(Tier: 0.07% points, National: 0.07% points)
but better than tier avg
217 of 380 Mid-Market CUs have this signature | 1002 nationally
↓ Shrinking -70 CUs YoY | Rank improving

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 304 peers in tier

Top Strengths (6 metrics)

20
Efficiency Ratio
profitability
Value: 59.60%
Peer Avg: 73.97%
#20 of 304 Top 6.2% in 1B-3B tier
22
Average Member Relationship (AMR)
engagement
Value: $41,328
Peer Avg: $29,172
#22 of 304 Top 6.9% in 1B-3B tier
33
Total Deposits
balance_sheet
Value: $2.22B
Peer Avg: $1.45B
#33 of 304 Top 10.5% in 1B-3B tier
49
Total Assets
balance_sheet
Value: $2.49B
Peer Avg: $1.72B
#49 of 304 Top 15.8% in 1B-3B tier
55
Members Per Employee (MPE)
engagement
Value: 434.781
Peer Avg: 364.953
#55 of 304 Top 17.8% in 1B-3B tier
56
Total Delinquency Rate (60+ days)
risk
Value: 0.36%
Peer Avg: 0.83%
#56 of 304 Top 18.1% in 1B-3B tier

Top Weaknesses (5 metrics)

297
Net Interest Margin (NIM)
profitability
Value: 1.96%
Peer Avg: 3.26%
#297 of 304 Bottom 2.6% in 1B-3B tier
294
Loan-to-Share Ratio
balance_sheet
Value: 55.45%
Peer Avg: 85.19%
#294 of 304 Bottom 3.6% in 1B-3B tier
274
Share Certificate Concentration (%)
balance_sheet
Value: 39.61%
Peer Avg: 28.53%
#274 of 304 Bottom 10.2% in 1B-3B tier
257
Loan Growth Rate
growth
Value: -1.79%
Peer Avg: 5.27%
#257 of 304 Bottom 15.8% in 1B-3B tier
235
First Mortgage Concentration (%)
balance_sheet
Value: 43.95%
Peer Avg: 34.01%
#235 of 304 Bottom 23.0% in 1B-3B tier