TellerScore

Headquartered in Ecorse, Michigan, Downriver Community Federal Credit Union is a federal credit union with $193.2M in total assets and $180.8M in member shares and deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1942.

Based on its Q2 2026 filing, Downriver Community Federal Credit Union scores 70/100, which we describe as strong. That is higher than 51% of 1,341 credit unions with $100 million – $1 billion. Among 169 credit unions headquartered in Michigan, it ranks 102nd. Its strongest component is funding & liquidity (100/100; 43% loans-to-deposits, 4% uninsured), and its lowest is earnings (40/100; 0.49%).

TellerScore · Q2 2026

Scorecard

Capital cushion55/100
Net worth ratio: 10.54%
Loan quality83/100
Loans 60+ days delinquent ÷ total loans: 0.52%
Earnings40/100
Return on assets (annualized): 0.49%
Funding & liquidity100/100
Loans ÷ shares: 43.2% · 3.6% uninsured
Problem-loan coverage96/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.00%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 6 points (64 → 70), mostly because the loan quality component improved by 20 points.

TellerScore
626670Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202462
Q3 202467
Q4 202463
Q1 202564
Q2 202564
Q3 202566
Q4 202566
Q1 202669
Q2 202670
Net worth ratio
7.00%8.80%10.61%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.82%
Q3 202410.28%
Q4 202410.35%
Q1 202510.18%
Q2 202510.30%
Q3 202510.59%
Q4 202510.61%
Q1 202610.50%
Q2 202610.54%
Delinquent loans (60+ days)
0.52%0.92%1.32%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.22%
Q3 20240.91%
Q4 20241.32%
Q1 20250.98%
Q2 20251.12%
Q3 20251.00%
Q4 20251.02%
Q1 20260.62%
Q2 20260.52%
Return on assets
0.39%0.52%0.64%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.61%
Q3 20240.63%
Q4 20240.64%
Q1 20250.39%
Q2 20250.50%
Q3 20250.58%
Q4 20250.58%
Q1 20260.47%
Q2 20260.49%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202670$193.2M10.54%0.52%0.49%43.2%
Q1 202669$193.5M10.50%0.62%0.47%39.4%
Q4 202566$189.3M10.61%1.02%0.58%39.0%
Q3 202566$187.0M10.59%1.00%0.58%40.4%
Q2 202564$188.8M10.30%1.12%0.50%39.5%
Q1 202564$190.3M10.18%0.98%0.39%38.0%
Q4 202463$185.4M10.35%1.32%0.64%39.4%
Q3 202467$183.6M10.28%0.91%0.63%39.2%
Q2 202462$189.2M9.82%1.22%0.61%37.2%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.54%
36th
Problem loans0.52%
63rd
Net charge-offs0.53%
32nd
Return on assets0.49%
29th
Loans to deposits43.2%
95th
Uninsured deposits3.6%
75th
Loan-loss reserves0.00%
50th
Texas ratio2.0%
76th

Similar-size credit unions in Michigan

InstitutionScoreAssetsCapitalProblem loansCompare
Polish-American Federal Credit UnionCredit union Troy, MI72 out of 100, Strong$195.1M12.8%1.37%vs
Service 1 Federal Credit UnionCredit union Muskegon, MI89 out of 100, Very strong$198.5M18.6%0.42%vs
Journey Federal Credit UnionCredit union Saint Johns, MI68 out of 100, Moderate$186.5M10.2%0.68%vs
Safe Harbor Credit UnionCredit union Ludington, MI44 out of 100, Below average$183.8M9.4%2.33%vs
Awakon Federal Credit UnionCredit union Onaway, MI71 out of 100, Strong$202.7M13.5%1.86%vs
Trunorth Federal Credit UnionCredit union Ishpeming, MI74 out of 100, Strong$203.5M10.2%0.31%vs

Deposit insurance

Is my money safe at Downriver Community Federal Credit Union?

Yes. Downriver Community Federal Credit Union is a federally insured credit union (NCUA charter #4853). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 3.6% of shares and deposits ($6.6M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 10.54%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Downriver Community Federal Credit Union lists 2 offices in 2 cities. Most locations:

  • Ecorse, MI (1)
  • Woodhaven, MI (1)

All branch addresses and map

Identity & history

Profile

Legal name
Downriver Community Federal Credit Union
Type
Federal credit union
NCUA charter #
4853
RSSD ID
146579
Primary regulator
NCUA
Established
1942
Headquarters
4320 West Jefferson, Ecorse, MI 48229
Employees
45

Quick answers

Downriver Community Federal Credit Union: common questions

Is Downriver Community Federal Credit Union NCUA insured?

Yes. Downriver Community Federal Credit Union is a federally insured credit union (NCUA charter #4853). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Downriver Community Federal Credit Union's TellerScore?

70 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Downriver Community Federal Credit Union have?

2 offices as of the latest NCUA data.