BlastPoint's Credit Union Scorecard
DFCU FINANCIAL
Charter #61844 · MI
DFCU FINANCIAL has 8 strengths but faces 4 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 3.1% in tier
- + Wallet Share Momentum: Top 3.1% in tier
- + Organic Growth Engine: Top 73.4% in tier
- + Organic Growth Leader: Top 73.4% in tier
- + ROA 0.52% above tier average
- + Efficiency Ratio: Top 3.4% in tier
- + Asset Growth Rate: Top 3.4% in tier
- + Loan Growth Rate: Top 3.4% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 3.1% in tier
- - Credit Quality Pressure: Bottom 14.1% in tier
- - Total Loans: Bottom 3.4% in tier
- - Loan-to-Share Ratio: Bottom 3.4% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
243,022
+1.0% YoY+0.3% QoQ
|
-193.9K |
436,889
-2.3% YoY
|
36,022
+6.3% YoY
|
33,913
+5.7% YoY
|
Bottom 6.9% in tier |
| Assets |
$8.0B
+16.0% YoY+3.3% QoQ
|
$-884.5M |
$8.9B
-0.1% YoY
|
$705.1M
+14.1% YoY
|
$578.3M
+9.0% YoY
|
Bottom 13.8% in tier |
| Loans |
$3.0B
+36.4% YoY+1.2% QoQ
|
$-3.1B |
$6.1B
-1.1% YoY
|
$480.6M
+13.6% YoY
|
$402.4M
+8.7% YoY
|
Bottom 0.1% in tier |
| Deposits |
$7.2B
+15.3% YoY+3.7% QoQ
|
$-446.7M |
$7.7B
+1.8% YoY
|
$601.5M
+14.1% YoY
|
$494.3M
+9.1% YoY
|
28% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.5%
+20.4% YoY+52.9% QoQ
|
+0.5% |
0.9%
+16.3% YoY
|
0.9%
+85.7% YoY
|
0.4%
-39.2% YoY
|
83% |
| NIM |
2.6%
+15.3% YoY+23.4% QoQ
|
-0.4% |
3.1%
+6.3% YoY
|
3.7%
+3.8% YoY
|
3.8%
+4.1% YoY
|
17% |
| Efficiency Ratio |
52.1%
-10.0% YoY-15.7% QoQ
|
-14.0% |
66.1%
-2.8% YoY
|
75.8%
-7.1% YoY
|
84.6%
+2.8% YoY
|
Top 3.4% in tier |
| Delinquency Rate |
0.4%
+64.8% YoY-14.7% QoQ
|
-0.2 |
0.6%
+12.0% YoY
|
0.7%
-7.8% YoY
|
1.2%
+3.4% YoY
|
21% |
| Loan To Share |
41.6%
+18.3% YoY-2.4% QoQ
|
-38.8% |
80.4%
-3.4% YoY
|
65.1%
-0.0% YoY
|
65.6%
-1.4% YoY
|
Bottom 0.1% in tier |
| AMR |
$42,005
+19.6% YoY+2.7% QoQ
|
+$5K |
$37,056
+6.8% YoY
|
$22,971
+5.9% YoY
|
$19,920
+1.6% YoY
|
83% |
| CD Concentration |
22.8%
-9.9% YoY-1.1% QoQ
|
-5.9% | 28.6% | 18.6% | 19.8% | 26% |
| Indirect Auto % |
0.7%
-54.9% YoY-14.5% QoQ
|
-15.6% | 16.4% | 11.7% | 7.7% | 17% |
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 (<15%). 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)