# DFCU FINANCIAL
Dearborn, MI · NCUA charter 61844 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/dfcu-financial-61844

Who the members are: state charter, organized 1936, low-income designated. 243,022 members of 5,175,000 potential (4.7% of the field); checking penetration 71% (share draft accounts per 100 members); loans per 100 members 37.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $8.03B |
| Members | 243,022 (1.0% YoY) |
| Full-time staff | 590 |
| Net worth | $983.8M |
| Net worth ratio | 12.3% (p74 of band) |
| ROA (annualized) | 1.46% (p92 of band) |
| Total delinquency | 0.37% (p23 of band) |
| Net charge-offs (annualized) | 0.10% (p6 of band) |
| Loans / shares | 42% (p1 of band) |
| Cash / assets | 19.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.62% (p13 of band) |
| Operating expense / assets | 1.79% (p4 of band) |
| Vehicles % of loans | 9% (p10 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 8% |
| Third-party paper % of net worth | 2% (p10 of band) |
| Vehicle delinquency | 0.28% (p17 of band) |
| Vehicle NCO | 0.69% (p31 of band) |
| Repossessed % of vehicle book | 0.00% (p11 of band) |
| Real estate % of loans | 49% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 115% |
| Core shares % of member funds | 45% |
| Certificates % of member funds | 23% |
| Average share balance | $18,255 |
| Participations bought / yr | $0 |
| Participations sold / yr | $15.7M |
| Participations outstanding | $73,982 |
| Loans outstanding per 100 members | 37% |
| Loans granted per 100 members, annualized | 4% |
| Average loan balance | $33,316 |
| Loans granted, annualized | $956.4M |

## Participation posture (from the same filings)

Bought $0 and sold $15.7M in the latest annualized quarter; $73,982 outstanding purchased (0.0% of net worth), $78.6M sold and retained. Sold in 7 and bought in 0 of the last 8 quarters. Shares 15.3% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | net worth falling |  |
| 2017-06 | 0 |  | net worth falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | delinquency rising |  |
| 2018-03 | 0 |  | delinquency rising |
| 2018-06 | 1 | delinquency rising |  |
| 2018-09 | 0 |  | delinquency rising |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 2 | net worth falling, delinquency rising |  |
| 2020-06 | 1 |  | delinquency rising |
| 2020-09 | 1 | loan book shrinking | net worth falling |
| 2020-12 | 1 |  |  |
| 2021-03 | 2 | net worth falling |  |
| 2021-06 | 0 |  | loan book shrinking, net worth falling |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 1 | assets shrinking |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 | net worth falling | assets shrinking |
| 2023-06 | 1 | delinquency rising | net worth falling |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 2 | net worth falling |  |
| 2024-06 | 0 |  | delinquency rising, net worth falling |
| 2024-09 | 1 | delinquency rising |  |
| 2024-12 | 0 |  | delinquency rising |
| 2025-03 | 1 | net worth falling |  |
| 2025-06 | 0 |  | net worth falling |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | delinquency rising |  |
| 2026-03 | 2 | net worth falling |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-06-22 [DFCU Financial Strengthens Michigan Presence With Three New Branch Openings - Yahoo Finance](https://news.google.com/rss/articles/CBMirgFBVV95cUxNMmRaem5TY2pDNndFRTdfNUd3SVdHYjRLa0xpUmdFZzhvWEMzeEljUlVzdmVoaGg5ZXIxbmQwell1cmcyVzNUSktWU1ZJWDZIc3p4U2k0UW1OWEkxQ24wM3NnRmxNdF9naGswUENLcHZNT0RnY1dVWDFfSTA5QVJHRGZmZlZneVhmTkJyWUFuVXdTUkJzZDRraEN4cW9qSDNEY2RGeGhheXZ1eDVpOUE?oc=5) · Yahoo Finance
- 2026-08-07 [DFCU Financial Number of Employees 2026 | Employee Count & Headcount Data - reveliolabs.com](https://news.google.com/rss/articles/CBMib0FVX3lxTE9YMlRnM3F0SHI2RDlMT19TVTVRQ0pORWZ1N0xQamtwVkRLdW12QlctS0wwSm0tMExmVFNObVptZV9DUlJoa2pVYVdyNXJOQm1xWkp4OEJGZllpcVVxRFBTeHkta2psYmR6Zk1DaEhNcw?oc=5) · reveliolabs.com
- 2024-11-11 [Michigan credit union’s deal for Florida bank extends M&A record - Banking Dive](https://news.google.com/rss/articles/CBMi2AFBVV95cUxPd1N5UVBkTW81S0lueGJfSFN4QTNYeHZKRE5jTzdHQ2JNSFVoWUtmbkdTQ2JvalBGa2lVT3ctVlc3U3gyT21MeWlxZTdCM2xDUElOQ0RHdXAyNzlDODM1TXRJaVJ3RDhtUnhqdi04MHhqOVlKUHJwMDlub1REX3dQdUVWSUU5TTl3OXFxTTE2QXlSMlAyLWdPb3dOU0xBdW1OU21jQ0xvQnNscWJhVXF3S0wtT1l4azE5czBSbTF0YW9RSzNGLVFSQTA5MjlPVWZoeWl2XzRrTzQ?oc=5) · Banking Dive
- 2025-11-03 [DFCU Financial Completes Winter Park National Bank Acquisition and Expands Presence Across Central Florida - Yahoo Finance](https://news.google.com/rss/articles/CBMiigFBVV95cUxPSEh1dTBWNzVNWk03dm9pOGZBbHhzTC1rVUltUGlYTHM1Wm1ieVVoT1RtUFpJazdoLU5OOVRibEJ2YzBob0RDN2F0SFdNaVZjQXFXLXRBNWJVWHZ1Sl9vdi1ia3R6cWJYSWVad1lKWmZOZUJuSHdTTHVNblRpREtxb0dPOGM5ZUcwU2c?oc=5) · Yahoo Finance
- 2022-04-04 [DFCU Financial in Michigan hires new CEO - American Banker](https://news.google.com/rss/articles/CBMikwFBVV95cUxQemRXbHJpSU9kMHRPSmpBbjltR3BzRnQzN0piNWRMZWNlRzVEVVlnNXhZc283M2lMTGtWb0JiaktJVTl4MklsRUJMZTBsLUJiOU53RFZzdnB6VTVWcUFmUkswWVFYQ203LWlLSTVDTEE0VFZvUkdmTnVIclJUYlRvSWVLdGhfM3BoWFJMS0gyajNHbWs?oc=5) · American Banker
- 2022-07-12 [Forbes Ranks DFCU Financial Best-in-State Credit Union for Fifth Consecutive Year - newswire.com](https://news.google.com/rss/articles/CBMipgFBVV95cUxObmFmWG5aN1BaQkpKLWZsMGdTU2VKeGtVajI1aExGeHkySmN6WVRheTROS1k3RS15cVVIMzVJam5vQjRHSU9uNllLdjYyZzhwemxjanRJNkdaNFZfWEttUG16Ni1CSjNteHFPTTVvdXBuNG85WjVtTmE1UlE5WDh0MW53ci1DREthV3RXemVERGwzZHVWOVB4enkwcVVCSVJmM1RuZGp3?oc=5) · newswire.com
- 2025-04-08 [Best Banks and Credit Unions in Michigan 2024 - Newsweek Rankings](https://news.google.com/rss/articles/CBMijwFBVV95cUxNemE4TFFGZFhsWDVlS2JUR2JKYzY1YzJseVY1a0hOU0ZPV3lEZFBYSExYYTdpS245ZURXUUJzVi02Y041ZDFfLUY4SWhIUUlvMl9FVGlRc04wQm5HbHRBWDREejBYQUs4MEs2WGFCci1UdWxXc3JESDAxX0M2cmNnLWxlVEcwdTdTRHd0OUdYaw?oc=5) · Newsweek Rankings
- 2024-11-08 [Winter Park National Bank acquired by credit union from outside state - The Business Journals](https://news.google.com/rss/articles/CBMingFBVV95cUxNVXNSbjVXTWk5VFhRSnBPV2p0NEp0WTNsUTlnWkdqZS05OTItYjE2b2ltMVRwNWQ4eVdIemxZSm1pcUdFaWpFYUl4T0tIeEptT0pDQ1pEbXdaZWlVUTJkdndZbHBaUnc2VDUtd3Njc08xVm5pQTZGdDZSNzBBRE44eUswdE5KMzJqemJneE1GXzZWNEQwNjZEQ3RsMXB6dw?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=61844 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/20.json (key "61844", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=61844
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide