Dowagiac Area

DOWAGIAC, MI · 1 · Charter #21070 · www.dafcu.net
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$25.2M
70th percentile
Members
1,830
62th percentile
Total loans
$12.7M
73th percentile
Total shares
$22.4M
73th percentile

Profitability

Return on assets
1.60%
82th percentile
Net interest margin
4.25%
61th percentile
Efficiency ratio
60.86%
63th percentile
Non-interest income ratio
11.79%
59th percentile

Capital & Risk

Net worth ratio
10.76%
21th percentile
Delinquency rate
0.50%
57th percentile
Net charge-off rate
0.91%
19th percentile
Loan-to-share
56.40%
44th percentile

Growth

Member growth YoY
-0.16%
65th percentile
Asset growth YoY
5.85%
79th percentile
Loan growth YoY
15.81%
94th percentile
Share growth YoY
5.01%
75th percentile

Operations

Members / branch
1,830
74th percentile
Assets / member
$13,747
80th percentile
Field of membership penetration
6.10%
19th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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