Downriver Community Federal Credit Union
Total assets
$193.5M
▲ +1.7% YoY
Shares & deposits
$181.2M
▲ +0.1% YoY
Loans
$71.4M
▲ +3.9% YoY
Members
12,303
▼ -2.8% YoY
ROA (annualized)
0.47%
peers 0.69%
ROE (annualized)
4.43%
peers 5.95%
Peer comparison 1,070 credit unions with 100M-500M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.7% | +3.9% | -2.2 pts |
| Share growth (YoY) | +0.1% | +3.3% | -3.2 pts |
| Loan growth (YoY) | +3.9% | +2.9% | +1.0 pts |
| ROA | 0.47% | 0.69% | -0.2 pts |
| ROE | 4.4% | 5.9% | -1.5 pts |
ROA ranks in the 34th percentile of its peer group · Q1 2026
Profile
- Established
- 1942
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 5
- Address
- 4320 West Jefferson, Ecorse, MI, 48229
- NCUA charter #
- 4853
- RSSD ID
- 146579
- 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 | $193.5M | $181.2M | $71.4M | $20.3M | $225K | 0.47% | 3.54% | 0.62% | 12,303 |
| Q4 2025 | $189.3M | $176.6M | $68.9M | $20.1M | $1.1M | 0.58% | 3.53% | 1.02% | 12,345 |
| Q3 2025 | $187.0M | $175.7M | $71.0M | $19.8M | $809K | 0.58% | 3.56% | 1.00% | 12,459 |
| Q2 2025 | $188.8M | $178.5M | $70.5M | $19.5M | $468K | 0.50% | 3.47% | 1.12% | 12,526 |
| Q1 2025 | $190.3M | $181.0M | $68.7M | $19.4M | $187K | 0.39% | 3.41% | 0.98% | 12,658 |
| Q4 2024 | $185.4M | $177.7M | $70.0M | $19.2M | $1.2M | 0.64% | 3.50% | 1.32% | 12,714 |
| Q3 2024 | $183.6M | $174.3M | $68.3M | $18.9M | $871K | 0.63% | 3.52% | 0.91% | 12,827 |
| Q2 2024 | $189.2M | $181.8M | $67.6M | $18.6M | $580K | 0.61% | 3.41% | 1.22% | 12,861 |
Loan mix (Q1 2026): real estate $18.9M · commercial $2.3M · consumer $45.0M · securities $93.6M
Ratio pack Q1 2026 · peer medians from 1070 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.47% | 0.69% | 34th | |
Return on equity Annualized net income ÷ equity or net worth | 4.4% | 5.9% | 36th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.54% | 3.62% | 45th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.9% | 78.7% | 65th | |
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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