BlastPoint's Credit Union Scorecard

DORT FINANCIAL

Charter #68708 · MI

Mid-Market 1B-3B

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

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DORT FINANCIAL has 3 strengths but faces 8 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 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

- Shrinking Wallet Share: Bottom 10.6% in tier
- Liquidity Strain: Bottom 31.3% in tier
- Deposit Outflow: Bottom 34.8% 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	70%
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	77%
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	78%

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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	0.5% -5.4% YoY+15.7% QoQ	-0.2%	0.7% +13.4% YoY	0.8% -27.1% YoY	0.7% +273.4% YoY	38%
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	59%
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	66%
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	56%
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	68%
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	71%
CD Concentration	26.3% -23.7% YoY-11.5% QoQ	-2.6%	29.0% +0.7% YoY	18.6% +6.0% YoY	19.6% +6.2% YoY	40%
Indirect Auto %	14.6% -39.3% YoY-4.4% QoQ	-4.1%	18.8% -3.0% YoY	11.9% -2.7% YoY	7.9% -2.9% YoY	46%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#99 of 138 • Top 25.0% in tier

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

Why This Signature

Member Growth (YoY): 2.01%

(Tier: 3.18%, National: 9.37%)

but worse than tier avg

Indirect Auto %: 14.63%

(Tier: 18.77%, National: 7.90%)

better 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: 18.77%, 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)

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: 86.32%, 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

Deposit Outflow

decline

#9 of 24 • Bottom 34.8% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money 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

Member Growth (YoY): 2.01%

(Tier: 3.18%, National: 9.37%)

worse than tier avg

24 of 380 Mid-Market CUs have this signature | 109 nationally

↓ Shrinking -33 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 304 peers in tier

Top Strengths (6 metrics)

Total Loans

balance_sheet

Value: $1.81B

Peer Avg: -

#44 of 304 Top 14.1% in 1B-3B tier

Fee Income Per Member

profitability

Value: $266.65

Peer Avg: -

#52 of 304 Top 16.8% in 1B-3B tier

Total Deposits

balance_sheet

Value: $1.93B

Peer Avg: -

#66 of 304 Top 21.4% in 1B-3B tier

First Mortgage Concentration (%)

balance_sheet

Value: 22.40%

Peer Avg: -

#69 of 304 Top 22.4% in 1B-3B tier

Total Assets

balance_sheet

Value: $2.25B

Peer Avg: -

#71 of 304 Top 23.0% in 1B-3B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $15,228

Peer Avg: -

#75 of 304 Top 24.3% in 1B-3B tier

Top Weaknesses (4 metrics)

286

Deposit Growth Rate

growth

Value: -2.71%

Peer Avg: -

#286 of 304 Bottom 6.2% in 1B-3B tier

279

AMR Growth Rate

growth

Value: -4.15%

Peer Avg: -

#279 of 304 Bottom 8.6% in 1B-3B tier

275

Asset Growth Rate

growth

Value: -2.04%

Peer Avg: -

#275 of 304 Bottom 9.9% in 1B-3B tier

256

Loan Growth Rate

growth

Value: -1.71%

Peer Avg: -

#256 of 304 Bottom 16.1% in 1B-3B tier