Dfcu Financial Credit Union
Total assets
$8.03B
▲ +16.0% YoY
Shares & deposits
$7.21B
▲ +15.3% YoY
Loans
$3.00B
▲ +36.4% YoY
Members
243,022
▲ +1.0% YoY
ROA (annualized)
1.46%
peers 0.71%
ROE (annualized)
11.90%
peers 6.28%
Peer comparison 450 credit unions with 1B-10B in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +16.0% | +5.1% | +10.9 pts |
| Share growth (YoY) | +15.3% | +4.9% | +10.4 pts |
| Loan growth (YoY) | +36.4% | +5.4% | +30.9 pts |
| ROA | 1.46% | 0.71% | +0.7 pts |
| ROE | 11.9% | 6.3% | +5.6 pts |
ROA ranks in the 92nd percentile of its peer group · Q1 2026
Profile
- Established
- 1936
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- Po Box 6048, Dearborn, MI, 48121
- NCUA charter #
- 61844
- RSSD ID
- 29980
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $8.03B | $7.21B | $3.00B | $983.8M | $29.3M | 1.46% | 2.62% | 0.37% | 243,022 |
| Q4 2025 | $7.77B | $6.95B | $2.96B | $954.5M | $69.9M | 0.90% | 2.00% | 0.44% | 242,390 |
| Q3 2025 | $6.88B | $6.12B | $2.40B | $955.1M | $69.8M | 1.35% | 2.43% | 0.42% | 239,484 |
| Q2 2025 | $6.91B | $6.21B | $2.29B | $929.4M | $44.0M | 1.27% | 2.34% | 0.20% | 239,927 |
| Q1 2025 | $6.92B | $6.25B | $2.20B | $905.9M | $20.6M | 1.19% | 2.23% | 0.23% | 240,677 |
| Q4 2024 | $6.66B | $6.06B | $2.16B | $885.4M | $42.9M | 0.64% | 1.81% | 0.26% | 241,139 |
| Q3 2024 | $6.58B | $5.97B | $2.07B | $898.9M | $55.7M | 1.13% | 2.16% | 0.33% | 241,680 |
| Q2 2024 | $6.54B | $6.06B | $2.02B | $880.1M | $36.9M | 1.13% | 2.15% | 0.19% | 242,365 |
Loan mix (Q1 2026): real estate $1.48B · commercial $1.13B · consumer $338.8M · securities $3.01B
Ratio pack Q1 2026 · peer medians from 450 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.46% | 0.71% | 92th | |
Return on equity Annualized net income ÷ equity or net worth | 11.9% | 6.3% | 90th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.62% | 3.32% | 13th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 52.1% | 73.0% | 2th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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