BlastPoint's Credit Union Scorecard
DFCU FINANCIAL
Charter #61844 · MI
DFCU FINANCIAL has 10 strengths but faces 7 concerns
How does the industry compare?
What's your peer group doing?
How does MI stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 0.0% in tier
- + Wallet Share Momentum: Top 5.3% in tier
- + Organic Growth Engine: Top 58.5% in tier
- + Organic Growth Leader: Top 100.0% in tier
- + Asset Growth Rate: Top 3.0% in tier
- + Loan Growth Rate: Top 3.0% in tier
- + Deposit Growth Rate: Top 3.0% in tier
- + AMR Growth Rate: Top 3.0% in tier
- + Net Charge-Off Rate: Top 6.1% in tier
- + Indirect Auto Concentration (%): Top 9.1% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 3.3% in tier
- - Credit Quality Pressure: Bottom 13.9% in tier
- - ROA 0.01% below tier average
- - Total Loans: Bottom 3.0% in tier
- - Loan-to-Share Ratio: Bottom 3.0% in tier
- - Total Members: Bottom 6.1% in tier
- - Net Interest Margin (NIM): Bottom 9.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
242,390
+0.5% YoY+1.2% QoQ
|
-203.5K |
445,922
+0.4% YoY
|
35,710
+6.8% YoY
|
33,374
+5.7% YoY
|
Bottom 3.0% in tier |
| Assets |
$7.8B
+16.6% YoY+13.0% QoQ
|
$-1.2B |
$8.9B
+0.9% YoY
|
$674.6M
+13.3% YoY
|
$561.6M
+9.7% YoY
|
Bottom 9.1% in tier |
| Loans |
$3.0B
+37.2% YoY+23.6% QoQ
|
$-3.3B |
$6.3B
+0.8% YoY
|
$472.4M
+13.5% YoY
|
$397.0M
+8.8% YoY
|
Bottom 0.0% in tier |
| Deposits |
$6.9B
+14.6% YoY+13.6% QoQ
|
$-569.6M |
$7.5B
+1.2% YoY
|
$573.0M
+13.1% YoY
|
$477.3M
+9.7% YoY
|
21% |
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| ROA |
1.0%
+47.4% YoY-29.2% QoQ
|
-0.0% |
1.0%
+27.8% YoY
|
0.9%
-8.5% YoY
|
0.7%
+15.9% YoY
|
64% |
| NIM |
2.1%
+16.4% YoY-12.5% QoQ
|
-0.8% |
3.0%
+12.0% YoY
|
3.8%
+7.8% YoY
|
3.8%
+5.1% YoY
|
Bottom 6.1% in tier |
| Efficiency Ratio |
61.8%
-7.2% YoY+12.0% QoQ
|
-3.0% |
64.8%
-2.3% YoY
|
75.4%
-1.6% YoY
|
79.7%
-3.3% YoY
|
36% |
| Delinquency Rate |
0.4%
+70.2% YoY+4.5% QoQ
|
-0.3 |
0.7%
+5.5% YoY
|
0.9%
-8.5% YoY
|
1.3%
-2.1% YoY
|
24% |
| Loan To Share |
42.6%
+19.7% YoY+8.8% QoQ
|
-40.8% |
83.4%
-0.6% YoY
|
67.1%
-0.1% YoY
|
67.4%
-1.7% YoY
|
Bottom 0.0% in tier |
| AMR |
$40,897
+19.9% YoY+15.0% QoQ
|
+$7K |
$34,266
-1.7% YoY
|
$22,475
+5.7% YoY
|
$19,687
+2.0% YoY
|
85% |
| CD Concentration |
23.1%
-10.4% YoY-10.3% QoQ
|
-6.1% | 29.1% | 18.6% | 19.8% | 25% |
| Indirect Auto % |
0.8%
-52.1% YoY-29.0% QoQ
|
-16.3% | 17.1% | 11.8% | 7.8% | 16% |
Signature Analysis
Strengths (4)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Concerns (2)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)