DORT FINANCIAL

Charter #68708 | MI

1B-3B (304 CUs) Mid-Market (380 CUs)
19 1B-3B in MI

DORT FINANCIAL has 3 strengths but faces 8 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Leader: Top 25.0% in tier
  • + Organic Growth Engine: Top 28.0% in tier
  • + Net Interest Margin 0.15% above tier average

Key Concerns

Areas that may need attention

  • - Deposit Outflow: Bottom 5.7% in tier
  • - Shrinking Wallet Share: Bottom 10.6% in tier
  • - Liquidity Strain: Bottom 31.3% in tier
  • - ROA 0.18% below tier average
  • - Efficiency ratio 4.59% above tier (higher cost structure)
  • - Deposit Growth Rate: Bottom 6.2% in tier
  • - AMR Growth Rate: Bottom 8.6% in tier
  • - Asset Growth Rate: Bottom 9.9% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (MI) National Avg Tier Percentile
Members 118,633
+2.0% YoY+0.7% QoQ
 +20.0K 98,678
-1.9% YoY
 35,456
+8.6% YoY
 33,089
+6.1% YoY
 70th in tier
Assets $2.3B
-2.0% YoY-2.9% QoQ
 +$534.2M $1.7B
+0.5% YoY
 $650.8M
+12.6% YoY
 $547.7M
+7.8% YoY
 Top 23.4% in tier
Loans $1.8B
-1.7% YoY+1.4% QoQ
 +$573.5M $1.2B
+0.5% YoY
 $461.6M
+14.9% YoY
 $388.7M
+8.6% YoY
 Top 14.5% in tier
Deposits $1.9B
-2.7% YoY-3.5% QoQ
 +$478.4M $1.5B
+1.3% YoY
 $550.3M
+12.5% YoY
 $464.6M
+9.3% YoY
 Top 21.7% in tier
ROA 0.5%
-5.4% YoY+15.7% QoQ
 -0.2% 0.7%
+13.4% YoY
 0.8%
-27.1% YoY
 0.7%
+273.4% YoY
 38th in tier
NIM 3.4%
+12.6% YoY+5.7% QoQ
 +0.2% 3.3%
+9.3% YoY
 3.7%
+8.5% YoY
 3.7%
+5.0% YoY
 59th in tier
Efficiency Ratio 78.6%
+0.9% YoY-0.5% QoQ
 +4.6% 74.0%
-10.9% YoY
 76.1%
-1.3% YoY
 79.1%
-3.3% YoY
 66th in tier
Delinquency Rate 0.8%
-6.3% YoY+0.2% QoQ
 -0.1 0.8%
+6.1% YoY
 0.9%
-19.7% YoY
 1.2%
-0.9% YoY
 56th in tier
Loan To Share 93.5%
+1.0% YoY+5.1% QoQ
 +8.3% 85.2%
-0.8% YoY
 68.1%
+0.3% YoY
 68.0%
-1.7% YoY
 68th in tier
AMR $31,520
-4.1% YoY-1.9% QoQ
 +$2K $29,172
+2.8% YoY
 $22,054
+2.5% YoY
 $19,418
+1.3% YoY
 71st in tier
CD Concentration 26.3%
-23.7% YoY-11.5% QoQ
 -2.6% 29.0%
+0.8% YoY
 18.6%
+6.0% YoY
 19.6%
+6.2% YoY
 40th in tier
Indirect Auto % 14.6%
-39.3% YoY-4.4% QoQ
 -4.2% 18.8%
-2.8% YoY
 11.9%
-2.7% YoY
 7.9%
-2.9% YoY
 46th in tier

Signature Analysis

Strengths (2)

Organic Growth Leader

growth
#99 of 138 • Top 25.0% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 2.01%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
138 of 380 Mid-Market CUs have this signature | 608 nationally
↑ Growing +11 CUs YoY | New qualifier

Organic Growth Engine

growth
#204 of 246 • Top 28.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 2.01%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
Return on Assets: 0.52%
(Tier: 0.71%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 14.63%
(Tier: 18.80%, National: 7.90%)
better than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY | Rank worsening

Concerns (3)

Deposit Outflow

decline
#8 of 25 • Bottom 5.7% in tier

Members staying but deposits leaving. They're losing to higher-yield competitors - rate pressure is real.

Why This Signature
Deposit Growth (YoY): -2.71%
(Tier: 6.24%, National: 12.00%)
worse than tier avg
Total Assets: $2.25B
(Tier: $1.72B, National: $547.69M)
but better than tier avg
25 of 380 Mid-Market CUs have this signature | 143 nationally
↓ Shrinking -42 CUs YoY | New qualifier

Shrinking Wallet Share

decline
#33 of 83 • Bottom 10.6% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -4.15%
(Tier: 3.04%, National: 4.19%)
worse than tier avg
83 of 380 Mid-Market CUs have this signature | 346 nationally
↓ Shrinking -55 CUs YoY | New qualifier

Liquidity Strain

risk
#165 of 183 • Bottom 31.3% in tier

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

Why This Signature
Loan-to-Share Ratio: 93.47%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): -1.71%
(Tier: 6.14%, National: 36.38%)
worse than tier avg
183 of 380 Mid-Market CUs have this signature | 484 nationally
↑ Growing +10 CUs YoY | Rank worsening

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 304 peers in tier

Top Strengths (6 metrics)

44
Total Loans
balance_sheet
Value: $1.81B
Peer Avg: $1.23B
#44 of 304 Top 14.1% in 1B-3B tier
52
Fee Income Per Member
profitability
Value: $266.65
Peer Avg: $210.52
#52 of 304 Top 16.8% in 1B-3B tier
66
Total Deposits
balance_sheet
Value: $1.93B
Peer Avg: $1.45B
#66 of 304 Top 21.4% in 1B-3B tier
69
First Mortgage Concentration (%)
balance_sheet
Value: 22.40%
Peer Avg: 34.01%
#69 of 304 Top 22.4% in 1B-3B tier
71
Total Assets
balance_sheet
Value: $2.25B
Peer Avg: $1.72B
#71 of 304 Top 23.0% in 1B-3B tier
75
Loan-to-Member Ratio (LMR)
engagement
Value: $15,228
Peer Avg: $13,213
#75 of 304 Top 24.3% in 1B-3B tier

Top Weaknesses (4 metrics)

286
Deposit Growth Rate
growth
Value: -2.71%
Peer Avg: 5.58%
#286 of 304 Bottom 6.2% in 1B-3B tier
279
AMR Growth Rate
growth
Value: -4.15%
Peer Avg: 3.29%
#279 of 304 Bottom 8.6% in 1B-3B tier
275
Asset Growth Rate
growth
Value: -2.04%
Peer Avg: 4.83%
#275 of 304 Bottom 9.9% in 1B-3B tier
256
Loan Growth Rate
growth
Value: -1.71%
Peer Avg: 5.27%
#256 of 304 Bottom 16.1% in 1B-3B tier