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Dfcu Financial

Dearborn, MI · Charter 61844

NCUA · 35 branches

Q2 2026

$8.0BAssets
$3.1BLoans
$7.2BShares
$1.0BNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.52%, up 25 bps year over year; NIM at 2.66%.
  • Asset quality: problem loans at 0.63% of loans (+43 bps YoY).
  • Capital: net worth / assets of 12.63%, down 81 bps from a year ago.
  • Funding: loans stand at 43.03% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.52%+25 bps YoY

Net Interest Margin (YTD, annualized)

2.66%+32 bps YoY

Efficiency Ratio (YTD, annualized)

52.82%-345 bps YoY

Net Worth / Assets

12.63%-81 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.27%1.35%0.90%1.46%1.52%+25 bps
Return on Equity9.48%9.74%7.32%11.90%12.04%+257 bps
Net Interest Margin2.34%2.43%2.00%2.62%2.66%+32 bps
Efficiency Ratio56.27%55.17%61.78%52.08%52.82%-345 bps
Growth
Asset Growth (YoY)5.74%4.49%16.62%16.01%16.28%+1,054 bps
Loan Growth (YoY)12.97%15.65%37.19%36.36%35.09%+2,212 bps
Share Growth (YoY)2.48%2.55%14.60%15.26%15.54%+1,307 bps
Asset Quality
Delinquent Loans / Loans0.20%0.42%0.44%0.37%0.63%+43 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital13.44%13.89%12.29%12.26%12.63%-81 bps
Net Worth / Assets13.44%13.89%12.29%12.26%12.63%-81 bps
Liquidity & Funding
Loans / Shares36.81%39.21%42.65%41.62%43.03%+623 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps