DFCU FINANCIAL
Charter #61844 · Dearborn, MI · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 243,022 ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.48% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.91% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.10% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 52.08% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | DFCU FINANCIAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $8.03B | 90th pct | 87th pct |
| Members | 243,022 | 78th pct | 80th pct |
| Net worth ratio | 12.26% | 74th pct | 67th pct |
| Return on average assets | 1.48% | 92th pct | 85th pct |
| Net interest margin | 2.67% | 13th pct | 39th pct |
| Cost of funds | 0.91% | 19th pct | 15th pct |
| Loan-to-share | 41.62% | 1th pct | 7th pct |
| Delinquency 60+ days | 0.37% | 23th pct | 49th pct |
| Net charge-off ratio | 0.10% | 6th pct | 25th pct |
| Loan growth YoY | 25.07% | 98th pct | 97th pct |
| Share growth YoY | 17.82% | 97th pct | 90th pct |
| Efficiency ratio | 52.08% | 3th pct | 8th pct |
structural peer set hash: 4071e1335609530c7284ca077d4c4e19… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.