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 4.7% in tier
- + Wallet Share Momentum: Top 4.7% in tier
- + Organic Growth Engine: Top 68.8% in tier
- + Organic Growth Leader: Top 68.8% in tier
- + ROA 0.49% above tier average
- + Efficiency Ratio: Top 3.6% in tier
- + Asset Growth Rate: Top 3.6% in tier
- + Loan Growth Rate: Top 3.6% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 3.1% in tier
- - Credit Quality Pressure: Bottom 6.2% in tier
- - Total Loans: Bottom 3.6% in tier
- - Loan-to-Share Ratio: Bottom 3.6% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 28 credit unions with $7B-$10B in assets nationally, and 1 of 2 that size in Michigan.
- Shares and deposits +15.5% year over year ($7.18B in shares and deposits).
- Membership: 242,800 members, +1.2% vs a year ago.
- Delinquency rate 0.63%.
- Return on assets 1.52%.
- Efficiency ratio 52.82% vs a 66.07% peer average.
- Loan-to-share ratio 43.03% vs a 81.29% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
242,800
+1.2% YoY-0.1% QoQ
|
-196.1K |
438,885
-1.1% YoY
|
36,289
+5.9% YoY
|
34,678
+6.6% YoY
|
Bottom 7.1% in tier |
| Assets |
$8.0B
+16.3% YoY+0.2% QoQ
|
$-879.1M |
$8.9B
+0.0% YoY
|
$717.2M
+13.9% YoY
|
$593.1M
+10.2% YoY
|
Bottom 14.3% in tier |
| Loans |
$3.1B
+35.1% YoY+3.0% QoQ
|
$-3.1B |
$6.2B
-0.6% YoY
|
$498.6M
+13.7% YoY
|
$418.6M
+10.1% YoY
|
Bottom 0.1% in tier |
| Deposits |
$7.2B
+15.5% YoY-0.4% QoQ
|
$-476.2M |
$7.7B
+2.7% YoY
|
$610.4M
+14.2% YoY
|
$504.8M
+10.3% YoY
|
21% |
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| ROA |
1.5%
+19.6% YoY+4.3% QoQ
|
+0.5% |
1.0%
+4.7% YoY
|
1.0%
+47.3% YoY
|
1.2%
+121.4% YoY
|
Top 14.3% in tier |
| NIM |
2.7%
+13.8% YoY+1.5% QoQ
|
-0.4% |
3.1%
+6.6% YoY
|
3.8%
+4.4% YoY
|
3.8%
+2.3% YoY
|
18% |
| Efficiency Ratio |
52.8%
-6.1% YoY+1.4% QoQ
|
-13.2% |
66.1%
+1.6% YoY
|
74.6%
-8.6% YoY
|
83.0%
-5.3% YoY
|
Top 3.6% in tier |
| Delinquency Rate |
0.6%
+217.7% YoY+69.5% QoQ
|
-0.2 |
0.8%
+23.1% YoY
|
0.9%
+9.0% YoY
|
1.3%
+2.6% YoY
|
36% |
| Loan To Share |
43.0%
+16.9% YoY+3.4% QoQ
|
-38.3% |
81.3%
-3.8% YoY
|
66.6%
+0.6% YoY
|
66.4%
-1.4% YoY
|
Bottom 0.1% in tier |
| AMR |
$42,298
+19.4% YoY+0.7% QoQ
|
+$5K |
$37,279
+8.1% YoY
|
$23,154
+6.0% YoY
|
$20,028
-0.9% YoY
|
82% |
| CD Concentration |
23.3%
-8.1% YoY+2.2% QoQ
|
-5.0% | 28.3% | 18.8% | 20.0% | 27% |
| Indirect Auto % |
0.6%
-56.9% YoY-15.4% QoQ
|
-16.2% | 16.8% | 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)