State credit union · Dearborn, Michigan · NCUA charter #61844
Dfcu Financial
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $7.77B
- Total assets
- 242,390
- Members
- 12.3%
- Net-worth ratio
Dfcu Financial scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $7.77B; members 242,390; net-worth ratio 12.26%; health rank #1,266 of 4,374; healthier than 69th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#1,266 of 4,374 health · 2025Q4Dfcu Financial · health 89/100 · $7.77B · 2025Q4
Call Report peers
Dfcu Financial in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Dfcu Financial vs every NCUA-scored credit union
Dfcu Financial sits in the busiest band, 85-89, alongside 857 other credit unions.
89 Top 31% higher than 69% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Where Dfcu Financial diverges from peer averages
- Net Worth Ratio leads the peer set - 12.26% here, 11.18% peer average (+1.08 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -41.25 pp (42.65% vs 83.90%).
Where Dfcu Financial sits in Michigan
- Michigan health ordinal: #57 of 171.
- Michigan assets place: #3 of 171.
- Member book place in Michigan: #4 of 171.
- One place up in Michigan, West Michigan Postal Service (#56) ties at 89/100; one place down, MUSKEGON (#58) ties at 89/100.
How Dfcu Financial's 5300 filing moved
Dfcu Financial: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.3% from $7.77B (2025Q4) to $8.03B (2026Q1).
- Net-worth ratio shifted -0.03 pp (12.29% → 12.26%).
12.26% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 89/100 score is built
Dfcu Financial gives up 11 points in total. Member Growth costs the most, 5.4 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 9.6 pts
- Loan-to-Share Ratio 9.4 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.26% | +1.08 pp |
| Delinquency Rate | 0.44% | -0.44 pp |
| Return on Assets | 0.55% | +0.04 pp |
| Member Growth | 0.52% | - |
| Loan-to-Share Ratio | 42.65% | -41.25 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Dfcu Financial filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $8.03B | - |
| 2025Q4 | $7.77B | 242,390 |
| 2024Q4 | $6.66B | 241,139 |
| 2023Q4 | $6.26B | 240,103 |
Credit Union Details
- Charter Number
- 61844
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Michigan
- City
- Dearborn
- Data Quarter
- 2025Q4
Branch Locations (39)
The NCUA branch filing lists 39 physical offices for Dfcu Financial, spread across 29 cities in 2 states.
| Office | City |
|---|---|
| DFCU Financial (Main Office) | Dearborn, MI |
| DFCU - Allen Park | Allen Park, MI |
| DFCU - Carpenter Road Branch | Ann Arbor, MI |
| DFCU - Briarwood Branch | Ann Arbor, MI |
| DFCU - Jackson Road Branch | Ann Arbor, MI |
| DFCU - Plymouth Road | Ann Arbor, MI |
| DFCU - Birmingham | Birmingham, MI |
| DFCU - Bloomfield Twp | Bloomfield Hills, MI |
| DFCU - Brandon | Brandon, FL |
| DFCU - Brighton | Brighton, MI |
| DFCU - Canton | Canton, MI |
| DFCU - Clinton Township | Clinton Township, MI |
| DFCU - Commerce Twp | Commerce Township, MI |
| DFCU - Oakwood Beech | Dearborn, MI |
| DFCU - Detroit-Midtown | Detroit, MI |
| DFCU - Fort Myers | Fort Myers, FL |
| DFCU - Garden City | Garden City, MI |
| DFCU - Kentwood | Grand Rapids, MI |
| DFCU - Walker | Grand Rapids, MI |
| DFCU - Celebration | Grand Rapids, MI |
| DFCU - South Lansing | Lansing, MI |
| DFCU - Lake Lansing | Lansing, MI |
| DFCU - Delta | Lansing, MI |
| DFCU - Livonia | Livonia, MI |
| DFCU - Longwood | Longwood, FL |
| DFCU - Madison Heights | Madison Hts, MI |
| DFCU - Naples | Naples, FL |
| DFCU - Novi | Novi, MI |
| DFCU - Plymouth Township | Plymouth, MI |
| DFCU - Riverview | Riverview, MI |
| DFCU - Rochester | Rochester, MI |
| DFCU - St. Petersburg | St Petersburg, FL |
| DFCU - Carrollwood | Tampa, FL |
| DFCU - Citrus Park | Tampa, FL |
| DFCU - Kennedy | Tampa, FL |
| DFCU - Taylor | Taylor, MI |
| DFCU - White Lake | White Lake, MI |
| DFCU- Winter Park | Winter Park, FL |
| DFCU - Wyoming | Wyoming, MI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Michigan
A look at other Michigan credit unions, ranked by how closely their peer group and asset size match this one.
Dfcu Financial nationwide neighbourhoods
Similar total assets
Using this data
- Dfcu Financial ranks #1,266 of 4,374 nationally on financial health and #57 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Michigan State University is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Michigan State University
Frequently Asked Questions
Is Dfcu Financial financially healthy?
On its 2025Q4 NCUA 5300 filing, Dfcu Financial scores 89/100 (Excellent), with a 12.26% net worth ratio and 0.44% of loans delinquent. It ranks #1,266 of 4,374 nationally on health and #57 of 171 in Michigan.
How does Dfcu Financial compare to other credit unions?
Dfcu Financial scores 89/100, higher than 69% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is net worth ratio (12.26% vs 11.18%). Its widest shortfall is loan-to-share ratio (42.65% vs 83.90%).
How can I join Dfcu Financial?
Membership eligibility for Dfcu Financial depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Dfcu Financial directly for current membership requirements and application steps.
Is my money safe at Dfcu Financial?
Dfcu Financial is a state-chartered credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Dfcu Financial's net worth ratio of 12.26% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.