BlastPoint's Credit Union Scorecard

DORT FINANCIAL

Charter #68708 · MI

Mid-Market 1B-3B
306 CUs in 1B-3B nationally 21 in MI
View Mid-Market leaderboard →

DORT FINANCIAL has 4 strengths but faces 2 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Leader: Top 42.9% in tier
  • + Organic Growth Engine: Top 42.9% in tier
  • + Net Interest Margin 0.23% above tier average
  • + Fee Income Per Member: Top 6.2% in tier

Key Concerns

Areas that may need attention

  • - ROA 0.09% below tier average
  • - Net Charge-Off Rate: Bottom 8.2% in tier

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (MI) National Avg Tier Percentile
Members 121,009
+2.7% YoY+1.2% QoQ
+25.0K 96,048
-2.7% YoY
36,022
+6.3% YoY
33,913
+5.7% YoY
74%
Assets $2.5B
+3.6% YoY+6.6% QoQ
+$741.8M $1.7B
+0.4% YoY
$705.1M
+14.1% YoY
$578.3M
+9.0% YoY
83%
Loans $1.8B
-0.1% YoY-1.4% QoQ
+$593.5M $1.2B
+0.2% YoY
$480.6M
+13.6% YoY
$402.4M
+8.7% YoY
Top 13.4% in tier
Deposits $2.2B
+6.0% YoY+7.0% QoQ
+$712.0M $1.5B
+0.5% YoY
$601.5M
+14.1% YoY
$494.3M
+9.1% YoY
Top 13.1% in tier

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings

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ROA 0.6%
+189.5% YoY+15.4% QoQ
-0.1% 0.7%
+27.6% YoY
0.9%
+85.7% YoY
0.4%
-39.2% YoY
46%
NIM 3.6%
+14.1% YoY+1.5% QoQ
+0.2% 3.4%
+6.2% YoY
3.7%
+3.8% YoY
3.8%
+4.1% YoY
65%
Efficiency Ratio 70.3%
-15.5% YoY-11.3% QoQ
-4.3% 74.6%
-3.0% YoY
75.8%
-7.1% YoY
84.6%
+2.8% YoY
31%
Delinquency Rate 0.7%
-5.0% YoY-31.4% QoQ
+0.0 0.8%
+6.9% YoY
0.7%
-7.8% YoY
1.2%
+3.4% YoY
60%
Loan To Share 83.0%
-5.7% YoY-7.9% QoQ
-0.2% 83.2%
-0.4% YoY
65.1%
-0.0% YoY
65.6%
-1.4% YoY
43%
AMR $32,929
+0.4% YoY+1.8% QoQ
+$3K $29,652
+2.3% YoY
$22,971
+5.9% YoY
$19,920
+1.6% YoY
75%
CD Concentration 27.9%
-10.5% YoY+10.7% QoQ
-0.9% 28.8% 18.6% 19.8% 48%
Indirect Auto % 10.8%
-34.3% YoY-17.4% QoQ
-7.2% 18.1% 11.7% 7.7% 40%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth
#71 of 116 • Top 42.9% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 2.71%
(Tier: 3.50%, National: 10.19%)
but worse than tier avg
Indirect Auto %: 10.84%
(Tier: 18.07%, National: 7.73%)
better than tier avg
116 of 384 Mid-Market CUs have this signature | 518 nationally
→ No prior data (116 CUs now) | New qualifier

Organic Growth Engine

growth
#97 of 115 • Top 42.9% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 2.71%
(Tier: 3.50%, National: 10.19%)
but worse than tier avg
Return on Assets: 0.63%
(Tier: 0.72%, National: 0.39%)
but worse than tier avg
Indirect Auto %: 10.84%
(Tier: 18.07%, National: 7.73%)
better than tier avg
115 of 384 Mid-Market CUs have this signature | 499 nationally
→ No prior data (115 CUs now) | New qualifier

Concerns (0)

No concerns identified

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 306 peers in tier

Top Strengths (5 metrics)

20
Fee Income Per Member
profitability
Value: $344.16
Peer Median: $191.54
#20 of 306 Top 6.2% in 1B-3B tier
40
Total Deposits
balance_sheet
Value: $2.18B
Peer Median: $1.31B
#40 of 306 Top 12.7% in 1B-3B tier
41
Total Loans
balance_sheet
Value: $1.81B
Peer Median: $1.11B
#41 of 306 Top 13.1% in 1B-3B tier
51
Total Assets
balance_sheet
Value: $2.46B
Peer Median: $1.51B
#51 of 306 Top 16.3% in 1B-3B tier
76
Average Member Relationship (AMR)
engagement
Value: $32,929
Peer Median: $28,178
#76 of 306 Top 24.5% in 1B-3B tier

Top Weaknesses (2 metrics)

282
Net Charge-Off Rate
risk
Value: 1.17%
Peer Median: 0.51%
#282 of 306 Bottom 8.2% in 1B-3B tier
250
Loan Growth Rate
growth
Value: -0.11%
Peer Median: 5.67%
#250 of 306 Bottom 18.6% in 1B-3B tier
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