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Overview / Commentary
2845 Davison Rd
Flint, MI 48506

Dort Credit Union is headquartered in FLINT and is the 14st largest credit union in the state of Michigan. It is also the 386th largest credit union in the nation. It was established in 1951 and as of December of 2013, it had grown to 129 employees and 65,215 members. Dort Credit Union's savings rates are 3X the national average, and it boasts a A+ health rating.

Field of Membership Restrictions

Who can join? -- Anyone who lives, works, attends school, worships, or volunteers in Genesee, Lapeer, or Shiawassee County, or Deerfield and Tyrone Townships in Livingston County. -- Spouses, children, parents, siblings, grandparents and grandchildren – including all adoptive and step relationships – of our current or potential members. -- Dort Federal has also nurtured special relationships with many area companies, we call them Corporate Partners, and their employees. - See Details

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Data for Q4 2013

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Dort Credit Union had $5.47 million in non-current loans and owned real-estate with $106.96 million in equity and loan loss allowances on hand to cover it. This gives Dort Credit Union a Texas Ratio of 5.11% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Dort Credit Union decreased slightly from 6.28% as of December 31, 2012 to 5.11% as of December 31, 2013, resulting in a positive change of 18.67%.This indicates that the balance sheet and financial strength for Dort Credit Union has improved slightly in recent periods.

Deposit Growth


In the past year, Dort Credit Union has increased its total deposits by $21 million, resulting in 4.79% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Dort Credit Union has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Dort Credit Union has $567.38 million in assets with $106.96 million in equity, resulting in a capitalization level of 18.85%, which is excellent.

Institution Statistics

NCUA #7569
Year Chartered1951
Primary Regulator
Assets and Liabilities
Assets$567.38 million
Loans$363.58 million
Deposits$459.17 million
Equity Capital$102.00 million
Loan Loss Allowance$4.96 million
Unbacked Noncurrent Loans$4.89 million
Real Estate Owned$575,000
Historic Data - December 2012
Assets$541.84 million
Equity Capital$95.29 million
Loan Loss Allowance$4.82 million
Unbacked Noncurrent Loans$4.89 million
Real Estate Owned$665,000
Profit Margin - Quarterly
Net Interest Margin4.98%
Return on Assets1.15%
Return on Equity6.42%
Interest Income$21.09 million
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Dort Credit Union Savings Account Rates

1.50%$25k-IRA Shares
1.50%$25k-Coverdell Education Shares
0.60%$200k-Savings Plus
0.15%--Share Savings
0.15%--Business Share Savings

Dort Credit Union Checking Account Rates

0.20%$3k-Share Draft Checking
0.20%$3k-Business Share Draft Checking

Dort Credit Union CD Rates

1.10%$1k-4 Year Share Certificate
1.10%$1k-4 Year Business Share Certificate
1.00%$1k-42 Month Share Certificate
1.00%$1k-42 Month Business Share Certificate
0.90%$1k-3 Year Share Certificate
0.90%$1k-3 Year Business Share Certificate
0.80%$1k-30 Month Share Certificate
0.80%$1k-30 Month Business Share Certificate
0.75%$100k-1 Year Jumbo Share Certificate
0.75%$100k-1 Year Jumbo Business Share Certificate
0.70%$1k-2 Year Share Certificate
0.70%$1k-2 Year Business Share Certificate
0.65%$100k-6 Month Jumbo Share Certificate
0.65%$100k-6 Month Jumbo Business Share Certificate
0.60%$500-18 Month Share Certificate
0.60%$500-18 Month Business Share Certificate
0.55%$100k-3 Month Jumbo Share Certificate
0.55%$100k-3 Month Jumbo Business Share Certificate
0.50%$1k-1 Year Share Certificate
0.50%$1k-1 Year Business Share Certificate
0.40%$1k-6 Month Share Certificate
0.40%$1k-6 Month Business Share Certificate
0.35%$1k-3 Month Share Certificate
0.35%$1k-3 Month Business Share Certificate
0.30%$100k-1 Month Jumbo Share Certificate
0.30%$100k-1 Month Jumbo Business Share Certificate

Dort Credit Union IRA Rates

1.10%$1k-4 Year IRA Certificate (Traditional,CESA)
0.90%$1k-3 Year IRA Certificate (Traditional,CESA)
0.70%$1k-2 Year IRA Certificate (Traditional,CESA)
0.50%$1k-1 Year IRA Certificate (Traditional,CESA)

Dort Credit Union Locations
Branch Office9050 HOLLY RDGRAND BLANC, MI 48439-8336
Branch Office1724 DEMILLE RDLAPEER, MI 48446-3391
Branch Office14265 N Fenton RdFenton, MI 48430-1541
Branch Office1091 W HILL RdFLINT, MI 48507-4731
Branch Office1441 S State RdDAVISON, MI 48423-1911
Branch Office2845 DAVISON RdFLINT, MI 48506-3927
Branch Office5091 W PIERSON RDFLINT, MI 48504-1301