BlastPoint's Credit Union Scorecard

DORT FINANCIAL

Charter #68708 · MI

Mid-Market 1B-3B

302 CUs in 1B-3B nationally 19 in MI

View Mid-Market leaderboard →

DORT FINANCIAL has 3 strengths but faces 6 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

MI Analysis

How does MI stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Leader: Top 65.2% in tier
+ Organic Growth Engine: Top 78.0% in tier
+ Net Interest Margin 0.25% above tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 50.5% in tier
- Credit Risk Growth: Bottom 74.2% in tier
- Liquidity Strain: Bottom 95.2% in tier
- ROA 0.14% below tier average
- Efficiency ratio 5.22% above tier (higher cost structure)
- Delinquency rate 0.14% above tier average

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Members	119,583 +2.4% YoY+0.8% QoQ	+22.2K	97,431 -2.4% YoY	35,710 +6.8% YoY	33,374 +5.7% YoY	72%
Assets	$2.3B -0.4% YoY+2.4% QoQ	+$585.2M	$1.7B +0.9% YoY	$674.6M +13.3% YoY	$561.6M +9.7% YoY	79%
Loans	$1.8B +3.5% YoY+1.5% QoQ	+$599.1M	$1.2B +0.5% YoY	$472.4M +13.5% YoY	$397.0M +8.8% YoY	Top 12.9% in tier
Deposits	$2.0B +1.5% YoY+5.3% QoQ	+$575.8M	$1.5B +0.9% YoY	$573.0M +13.1% YoY	$477.3M +9.7% YoY	83%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.5% -2.0% YoY+4.6% QoQ	-0.1%	0.7% +20.9% YoY	0.9% -8.5% YoY	0.7% +15.9% YoY	37%
NIM	3.5% +15.9% YoY+3.3% QoQ	+0.3%	3.3% +9.2% YoY	3.8% +7.8% YoY	3.8% +5.1% YoY	67%
Efficiency Ratio	79.3% +1.5% YoY+0.9% QoQ	+5.2%	74.1% -9.5% YoY	75.4% -1.6% YoY	79.7% -3.3% YoY	72%
Delinquency Rate	1.0% +14.1% YoY+35.6% QoQ	+0.1	0.9% +6.2% YoY	0.9% -8.5% YoY	1.3% -2.1% YoY	73%
Loan To Share	90.1% +2.0% YoY-3.6% QoQ	+5.3%	84.8% -0.8% YoY	67.1% -0.1% YoY	67.4% -1.7% YoY	59%
AMR	$32,352 +0.1% YoY+2.6% QoQ	+$3K	$29,428 +2.4% YoY	$22,475 +5.7% YoY	$19,687 +2.0% YoY	73%
CD Concentration	25.2% -24.8% YoY-4.2% QoQ	-3.8%	29.0%	18.6%	19.8%	34%
Indirect Auto %	13.1% -25.2% YoY-10.3% QoQ	-5.2%	18.3%	11.8%	7.8%	44%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#93 of 142 • Top 65.2% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 2.37%

(Tier: 3.43%, National: 4.32%)

but worse than tier avg

Indirect Auto %: 13.12%

(Tier: 18.31%, National: 7.78%)

better than tier avg

142 of 378 Mid-Market CUs have this signature | 609 nationally

→ No prior data (142 CUs now) | New qualifier

Organic Growth Engine

growth

#193 of 247 • Top 78.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 2.37%

(Tier: 3.43%, National: 4.32%)

but worse than tier avg

Return on Assets: 0.55%

(Tier: 0.69%, National: 0.67%)

but worse than tier avg

Indirect Auto %: 13.12%

(Tier: 18.31%, National: 7.78%)

better than tier avg

247 of 378 Mid-Market CUs have this signature | 913 nationally

→ No prior data (247 CUs now) | New qualifier

Concerns (3)

Credit Quality Pressure

risk

#107 of 211 • Bottom 50.5% in tier

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

Why This Signature

Delinquency Change (YoY): 0.13% points

(Tier: 0.06% points, National: 0.06% points)

worse than tier avg

211 of 378 Mid-Market CUs have this signature | 969 nationally

↓ Shrinking -59 CUs YoY | Rank worsening

Credit Risk Growth

risk

#122 of 164 • Bottom 74.2% in tier

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

Why This Signature

Loan Growth (YoY): 3.50%

(Tier: 6.38%, National: 111.96%)

worse than tier avg

Delinquency Change (YoY): 0.13% points

(Tier: 0.06% points, National: 0.06% points)

worse than tier avg

164 of 378 Mid-Market CUs have this signature | 665 nationally

→ No prior data (164 CUs now) | New qualifier

Liquidity Strain

risk

#158 of 166 • Bottom 95.2% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 90.09%

(Tier: 85.73%, National: 67.44%)

but better than tier avg

Loan Growth (YoY): 3.50%

(Tier: 6.38%, National: 111.96%)

worse than tier avg

166 of 378 Mid-Market CUs have this signature | 439 nationally

↓ Shrinking -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)

Compare against:

Comparing against 302 peers in tier

Top Strengths (5 metrics)

Total Loans

balance_sheet

Value: $1.83B

Peer Median: -

#39 of 302 Top 12.6% in 1B-3B tier

Total Deposits

balance_sheet

Value: $2.04B

Peer Median: -

#50 of 302 Top 16.2% in 1B-3B tier

Fee Income Per Member

profitability

Value: $269.84

Peer Median: -

#53 of 302 Top 17.2% in 1B-3B tier

Total Assets

balance_sheet

Value: $2.31B

Peer Median: -

#64 of 302 Top 20.9% in 1B-3B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $15,333

Peer Median: -

#71 of 302 Top 23.2% in 1B-3B tier

Top Weaknesses (3 metrics)

264

Asset Growth Rate

growth

Value: -0.36%

Peer Median: -

#264 of 302 Bottom 12.9% in 1B-3B tier

242

Deposit Growth Rate

growth

Value: 1.51%

Peer Median: -

#242 of 302 Bottom 20.2% in 1B-3B tier

229

AMR Growth Rate

growth

Value: 0.07%

Peer Median: -

#229 of 302 Bottom 24.5% in 1B-3B tier