DFCU FINANCIAL

Charter #61844 | MI

5B-7B (34 CUs) Large (64 CUs)
2 5B-7B in MI

DFCU FINANCIAL has 6 strengths but faces 7 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 6.8% in tier
  • + Relationship Depth Leader: Top 24.8% in tier
  • + ROA 0.55% above tier average
  • + Total Deposits: Top 0.0% in tier
  • + Loan Growth Rate: Top 2.9% in tier
  • + Total Assets: Top 2.9% in tier

Key Concerns

Areas that may need attention

  • - Growth-at-Risk: Bottom 4.1% in tier
  • - Liquidity Overhang: Bottom 9.1% in tier
  • - Credit Quality Pressure: Bottom 13.1% in tier
  • - Stagnation Risk: Bottom 30.4% in tier
  • - Membership Headwinds: Bottom 39.1% in tier
  • - Loan-to-Share Ratio: Bottom 5.9% in tier
  • - Total Loans: Bottom 8.8% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (MI) National Avg Tier Percentile
Members 239,484
-0.9% YoY-0.2% QoQ
 -50.2K 289,724
-2.8% YoY
 35,456
+8.6% YoY
 33,089
+6.1% YoY
 Bottom 20.6% in tier
Assets $6.9B
+4.5% YoY-0.6% QoQ
 +$1.1B $5.8B
+0.2% YoY
 $650.8M
+12.6% YoY
 $547.7M
+7.8% YoY
 Top 5.9% in tier
Loans $2.4B
+15.7% YoY+4.9% QoQ
 $-1.7B $4.1B
-3.1% YoY
 $461.6M
+14.9% YoY
 $388.7M
+8.6% YoY
 Bottom 5.9% in tier
Deposits $6.1B
+2.5% YoY-1.6% QoQ
 +$1.2B $4.9B
+2.2% YoY
 $550.3M
+12.5% YoY
 $464.6M
+9.3% YoY
 Top 2.9% in tier
ROA 1.3%
+19.3% YoY+6.0% QoQ
 +0.5% 0.8%
+15.5% YoY
 0.8%
-27.1% YoY
 0.7%
+273.4% YoY
 Top 8.8% in tier
NIM 2.4%
+12.1% YoY+3.7% QoQ
 -0.5% 2.9%
+3.9% YoY
 3.7%
+8.5% YoY
 3.7%
+5.0% YoY
 Bottom 17.6% in tier
Efficiency Ratio 55.2%
-4.0% YoY-1.9% QoQ
 -13.0% 68.1%
-1.7% YoY
 76.1%
-1.3% YoY
 79.1%
-3.3% YoY
 Bottom 14.7% in tier
Delinquency Rate 0.4%
+27.5% YoY+110.3% QoQ
 -0.2 0.6%
-2.2% YoY
 0.9%
-19.7% YoY
 1.2%
-0.9% YoY
 29th in tier
Loan To Share 39.2%
+12.8% YoY+6.5% QoQ
 -44.4% 83.6%
-5.7% YoY
 68.1%
+0.3% YoY
 68.0%
-1.7% YoY
 Bottom 2.9% in tier
AMR $35,562
+6.9% YoY+0.4% QoQ
 +$1K $34,398
+4.0% YoY
 $22,054
+2.5% YoY
 $19,418
+1.3% YoY
 71st in tier
CD Concentration 25.7%
+2.2% YoY+1.4% QoQ
 -3.2% 28.9%
-1.3% YoY
 18.6%
+6.0% YoY
 19.6%
+6.2% YoY
 31st in tier
Indirect Auto % 1.2%
-39.8% YoY-16.0% QoQ
 -15.4% 16.6%
-10.3% YoY
 11.9%
-2.7% YoY
 7.9%
-2.9% YoY
 Bottom 15.6% in tier

Signature Analysis

Strengths (2)

Wallet Share Momentum

growth
#9 of 46 • Top 6.8% in tier

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

Why This Signature
AMR Growth (YoY): 6.90%
(Tier: 2.82%, National: 4.19%)
better than tier avg
46 of 64 Large CUs have this signature | 1330 nationally
↑ Growing +18 CUs YoY | Rank worsening

Relationship Depth Leader

growth
#30 of 46 • Top 24.8% in tier

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

Why This Signature
AMR Growth (YoY): 6.90%
(Tier: 2.82%, National: 4.19%)
better than tier avg
Share Draft per Member: $1.3K
(Tier: $3.2K, National: $2.0K)
but worse than tier avg
46 of 64 Large CUs have this signature | 1330 nationally
↑ Growing +18 CUs YoY | Rank worsening

Concerns (5)

Growth-at-Risk

risk
#5 of 25 • Bottom 4.1% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 15.65%
(Tier: 4.99%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.09% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
25 of 64 Large CUs have this signature | 646 nationally
↓ Shrinking -13 CUs YoY

Liquidity Overhang

risk
#6 of 24 • Bottom 9.1% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 13.89%
(Tier: 11.62%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 39.21%
(Tier: 84.48%, National: 67.96%)
worse than tier avg
24 of 64 Large CUs have this signature | 691 nationally
↑ Growing +7 CUs YoY

Credit Quality Pressure

risk
#17 of 34 • Bottom 13.1% in tier

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

Why This Signature
Delinquency Change (YoY): 0.09% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
34 of 64 Large CUs have this signature | 1002 nationally
↓ Shrinking -17 CUs YoY | Rank improving

Stagnation Risk

risk
#8 of 10 • Bottom 30.4% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 1.35%
(Tier: 0.91%, National: 0.71%)
but better than tier avg
Member Growth (YoY): -0.91%
(Tier: 3.07%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $35.6K
(Tier: $34.1K, National: $19.4K)
but better than tier avg
CD Concentration: 25.69%
(Tier: 28.87%, National: 19.60%)
but better than tier avg
10 of 64 Large CUs have this signature | 648 nationally
↑ Growing +7 CUs YoY | New qualifier

Membership Headwinds

decline
#10 of 10 • Bottom 39.1% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -0.91%
(Tier: 3.07%, National: 9.37%)
worse than tier avg
10 of 64 Large CUs have this signature | 648 nationally
↑ Growing +7 CUs YoY | New qualifier

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 34 peers in tier

Top Strengths (11 metrics)

1
Total Deposits
balance_sheet
Value: $6.12B
Peer Avg: $4.89B
#1 of 34 Top 0.0% in 5B-7B tier
2
Loan Growth Rate
growth
Value: 15.65%
Peer Avg: 5.95%
#2 of 34 Top 2.9% in 5B-7B tier
2
Total Assets
balance_sheet
Value: $6.88B
Peer Avg: $5.79B
#2 of 34 Top 2.9% in 5B-7B tier
3
Return on Assets (ROA)
profitability
Value: 1.35%
Peer Avg: 0.80%
#3 of 34 Top 5.9% in 5B-7B tier
5
Net Worth Ratio
risk
Value: 13.89%
Peer Avg: 10.96%
#5 of 34 Top 11.8% in 5B-7B tier
6
Efficiency Ratio
profitability
Value: 55.17%
Peer Avg: 68.13%
#6 of 34 Top 14.7% in 5B-7B tier
6
Net Charge-Off Rate
risk
Value: 0.16%
Peer Avg: 0.57%
#6 of 34 Top 14.7% in 5B-7B tier
7
AMR Growth Rate
growth
Value: 6.90%
Peer Avg: 3.75%
#7 of 34 Top 17.6% in 5B-7B tier
8
Fee Income Per Member
profitability
Value: $240.44
Peer Avg: $213.89
#8 of 34 Top 20.6% in 5B-7B tier
8
Indirect Auto Concentration (%)
balance_sheet
Value: 1.18%
Peer Avg: 14.61%
#8 of 34 Top 20.6% in 5B-7B tier

Top Weaknesses (7 metrics)

33
Loan-to-Share Ratio
balance_sheet
Value: 39.21%
Peer Avg: 83.64%
#33 of 34 Bottom 5.9% in 5B-7B tier
32
Total Loans
balance_sheet
Value: $2.40B
Peer Avg: $4.08B
#32 of 34 Bottom 8.8% in 5B-7B tier
30
Member Growth Rate
growth
Value: -0.91%
Peer Avg: 3.26%
#30 of 34 Bottom 14.7% in 5B-7B tier
29
Loan-to-Member Ratio (LMR)
engagement
Value: $10,016
Peer Avg: $15,308
#29 of 34 Bottom 17.6% in 5B-7B tier
28
Net Interest Margin (NIM)
profitability
Value: 2.43%
Peer Avg: 2.90%
#28 of 34 Bottom 20.6% in 5B-7B tier
28
Deposit Growth Rate
growth
Value: 2.55%
Peer Avg: 8.13%
#28 of 34 Bottom 20.6% in 5B-7B tier
27
Total Members
engagement
Value: 239,484
Peer Avg: 289,725
#27 of 34 Bottom 23.5% in 5B-7B tier