Civic Intelligence

Dort Financial Credit Union

EIN 38-1440283 • 501(c)14 • Grand Blanc, MI

View Organization Page

Profile

Opening doors to our members by providing quality financial services.

9048 Holly RoadGrand Blanc, MI 48439

www.dortonline.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

45th percentile

0.91x

Higher debt load relative to assets than 45% of similar nonprofits.

501(c)14 • $1B+ nonprofits • Source year 2024

Liabilities / Revenue

18th percentile

13.38x

Higher debt load relative to revenue than 18% of similar nonprofits.

501(c)14 • $1B+ nonprofits • Source year 2024

Net Margin

41st percentile

8.2%

Higher net margin than 41% of similar nonprofits.

501(c)14 • $1B+ nonprofits • Source year 2024

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

22nd percentile

-1.1%

Faster asset growth than 22% of similar nonprofits.

501(c)14 • $1B+ nonprofits • Annualized from 2023 to 2024

Revenue Growth

97th percentile

46%

Faster revenue growth than 97% of similar nonprofits.

501(c)14 • $1B+ nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets45th percentile

Assets

Down

$2,316,815,802

Down $26,105,284 (-1.1%) from 2023

Liabilities

Down

$2,097,096,896

Down $37,980,555 (-1.8%) from 2023

Net Assets

Up

$219,718,906

Up $11,875,271 (+5.7%) from 2023

Operations
Liabilities / Revenue18th percentileNet Margin41st percentile

Revenue

Up

$156,681,814

Up $49,063,550 (+46%) from 2023

Expenses

Up

$143,813,921

Up $47,527,938 (+49%) from 2023

Net Income

Up

$12,867,893

Up $1,535,612 (+14%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth22nd percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$3.0B$2.0B$1.0B$0Assets 2020: $1,244,269,209Liabilities 2020: $1,067,436,122Net Assets 2020: $176,833,0872020Assets 2021: $1,382,283,793Liabilities 2021: $1,190,128,510Net Assets 2021: $192,155,2832021Assets 2022: $1,504,357,827Liabilities 2022: $1,309,505,757Net Assets 2022: $194,852,0702022Assets 2023: $2,342,921,086Liabilities 2023: $2,135,077,451Net Assets 2023: $207,843,6352023Assets 2024: $2,316,815,802Liabilities 2024: $2,097,096,896Net Assets 2024: $219,718,9062024

Highlighted filing

2024

Assets$2,316,815,802
Liabilities$2,097,096,896
Net Assets$219,718,906
Open 2024 Filing

Operations Trend

Revenue Growth97th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$200M$150M$100M$50M$0Revenue 2020: $72,071,451Expenses 2020: $61,781,141Net Income 2020: $10,290,3102020Revenue 2021: $72,954,813Expenses 2021: $55,882,971Net Income 2021: $17,071,8422021Revenue 2022: $82,148,923Expenses 2022: $62,306,924Net Income 2022: $19,841,9992022Revenue 2023: $107,618,264Expenses 2023: $96,285,983Net Income 2023: $11,332,2812023Revenue 2024: $156,681,814Expenses 2024: $143,813,921Net Income 2024: $12,867,8932024

Highlighted filing

2024

Revenue$156,681,814
Expenses$143,813,921
Net Income$12,867,893
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$2,316,815,802
Liabilities
$2,097,096,896
Net assets
$219,718,906
Revenue
$156,681,814
Expenses
$143,813,921
Net income
$12,867,893
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$2,317$2,097$220$157$144$12.9
2023Detailed filing. Detailed filing data is available for this year.$2,343$2,135$208$108$96.3$11.3
2022Detailed filing. Detailed filing data is available for this year.$1,504$1,310$195$82.1$62.3$19.8
2021Detailed filing. Detailed filing data is available for this year.$1,382$1,190$192$73.0$55.9$17.1
2020Summary only. Only limited summary data is available for this year.$1,244$1,067$177$72.1$61.8$10.3
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Oct 27, 2025
Return Version
2024v5.1
Gross Receipts
$159,165,795
Mission and Program Overview

Mission

Opening doors to our members by providing quality financial services.

Provide financial services and products to members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$1,690,938,506$1,761,770,710▲ $70,832,204
Rtn Earn Endowment Incm Other Fnds$207,843,635$219,718,906▲ $11,875,271
Investments Other Securities$129,871,338$148,887,531▲ $19,016,193
Cash and Non-Interest-Bearing Accounts$235,316,000$140,980,562▼ $94,335,438
Investments in Publicly Traded Securities$116,082,618$96,085,015▼ $19,997,603
Intangible Assets$72,328,968$71,960,412▼ $368,556
Land, Buildings, and Equipment, Net$36,168,521$39,187,547▲ $3,019,026
Receivables From Officers Etc$10,218,746$10,474,214▲ $255,468
Prepaid Expenses and Deferred Charges$7,822,537$9,879,168▲ $2,056,631
Accounts Receivable$13,588,448$5,352,866▼ $8,235,582
Savings and Temporary Cash Investments$0$0→ $0
Pledges and Grants Receivable$0$0→ $0
Receivable From Disqualified Prsn$0$0→ $0
Investments Program Related$0--
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Inventories for Sale or Use$0$0→ $0
Loans From Officers Directors$0$0→ $0
Total Assets$2,342,921,086$2,316,815,802▼ $26,105,284
Other Assets Total$30,585,404$32,237,777▲ $1,652,373
Liabilities
Other Liabilities$1,988,128,289$2,004,801,776▲ $16,673,487
Unsecured Notes Loans Payable$120,000,000$67,500,000▼ $52,500,000
Accounts Payable and Accrued Expenses$25,052,916$22,286,706▼ $2,766,210
Escrow Account Liability$1,896,246$2,508,414▲ $612,168
Grants Payable$0$0→ $0
Mortgage Notes Payable Secured by Investment Property$0$0→ $0
Deferred Revenue$0$0→ $0
Tax Exempt Bond Liabilities$0$0→ $0
Total Liabilities$2,135,077,451$2,097,096,896▼ $37,980,555
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$0$0→ $0
Total Net Assets Fund Balance$207,843,635$219,718,906▲ $11,875,271
Total Liabilities and Net Assets / Fund Balance$2,342,921,086$2,316,815,802▼ $26,105,284

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$24,501,487$6,007,026$30,508,513
Equipment$4,472,903$18,618,278$23,091,181
Land$9,973,669-$9,973,669
Leasehold Improvements$0$324,290$324,290
Other Land Buildings$239,488-$239,488
Other Securities$6,525,000--
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Brian WaldronPresident/CEOFT$593,312$467,985$1,061,297
Jeremy ZagerChief Financial OfficerFT$296,536$80,775$377,311
Edward SterlingChief Operating OfficerFT$318,998$53,244$372,242
Sharon LoboChief Lending OfficerFT$293,260$69,331$362,591
Michael AndersonChief Information Systems OfficerFT$247,332$89,370$336,702
Deana TurcottChief Human Resources OfficerFT$246,135$66,546$312,681
Jose CanoDirector of Commercial LendingFT$231,577$47,796$279,373
Adam KoishorChief Strategy OfficerFT$212,721$63,444$276,165
Daniel GatfieldChief Retail OfficerFT$211,984$55,917$267,901
Derek DrakeDirector of Enterprise Risk ManagementFT$201,753$46,870$248,623
Kevin CaragayCommercial Lending ManagerFT$162,467$58,351$220,818
Anna MorrisRegional Branch Ops ManagerFT$171,046$38,204$209,250
Kevin AlgeoDirector of Consumer LendingFT$169,196$31,835$201,031

Board Members and Trustees

NameTitle
Wayne NatzkeChairman of the Board
Dana StoddardFirst Vice Chair
Douglas KiddSecond Vice Chair
Beverly KittleDirector
Jeff SellsDirector
Diane PiercySecretary
Bruce AllanTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Ncr Voyix CorporationTechnology864 SPRING STREET, Atlanta, GA 30308$2,064,048
Visa USAData ProcessingPO BOX 742233, Los Angeles, CA 90074$1,796,726
Informa Business SystemsTechnology5170 HARTSHORN DRIVE, Flushing, MI 48433$1,366,637
FiservTechnologyPO BOX 967057, Atlanta, GA 31193$1,274,980
H&s United ConstructionConstructionPO BOX 320052, Flint, MI 48532$798,380
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$144,302,390
Investment Income
$12,379,424
Other Revenue
$0
Change in Net Assets
$12,867,893

Audited Revenue Reconciliation

Revenue per Audited Statements
$156,681,814
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$25,477
Other Revenue Adjustments
$0
Total Revenue per Audited Statements
$156,707,291
Total Revenue per Form 990
$156,681,814
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$107,650,128
Salaries, Compensation, and Employee Benefits$35,717,366
Grants and Similar Amounts Paid$446,427
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest---$58,367,669
Other Salaries and Wages---$24,908,677
Other Expenses---$6,683,999
Information Technology---$5,321,621
Office Expenses---$4,546,892
Advertising---$3,572,258
Depreciation Depletion---$3,505,557
Other Employee Benefits---$3,503,949
Current Officers, Directors, Trustees, and Key Employees---$3,366,890
All Other Expenses---$2,676,334
Occupancy---$2,651,348
Payroll Taxes---$2,120,344
Fees for Services Other---$1,873,020
Pension Plan Contributions---$1,817,506
Conferences and Meetings---$786,913
Insurance---$464,858
Grants to Domestic Orgs---$416,427
Fees for Services Accounting---$386,961
Fees for Services Legal---$117,887
Grants to Domestic Individuals---$30,000
Total Functional Expenses$0$0$0$143,813,921

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$143,839,398
Total Expenses per Audited Statements$143,839,398
Total Expenses per Form 990$143,813,921
Expenses Not Reported on Form 990$0
Expenses Not Reported on Financial Statements$-25,477
Other Expense Adjustments$-25,477
International Activity

Grant and Assistance Recipients

RecipientLocationCategoryPurposeAmount
Ymca of Greater FlintFlint, MI501(c)(3)Community Partnership$19,000
Hopewell FundWashington, DC501(c)(3)Community Partnership$15,000
Catholic CharitiesFlint, MI501(c)(3)Community Partnership$11,500
Palm Beach County Police Benevolent AssocWest Palm Beach, FL501(c)(3)Community Partnership$7,500
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Lobbying activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$10,218,746$10,474,214▲ $255,468
Loans from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Receivables from Disqualified Persons$0$0→ $0
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Federal Income Taxes$1,822,569,776
MEMBERS' SHARES AND SAVINGS ACCOUNTS$182,232,000
Nonmember Certificates of Deposit-
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Line 6 Classes of members or stockholders

“All account holders are referred to as members.”

Form 990, Part VI, Line 7A Members or stockholders electing members of governing body

“The board of directors is elected at the annual meeting.”

Form 990, Part VI, Line 7B Decisions requiring approval by members or stockholders

“Decisions specified in the bylaws are required to be approved by the members.”

Form 990, Part VI, Line 11B Review of form 990 by governing body

“The ceo and cfo review the completed form 990 prior to filing.”

Form 990, Part VI, Line 12C Conflict of interest policy

“Conflict of interest forms are completed annually and answers are reviewed by human resources.”

Form 990, Part VI, Line 15A Process to establish compensation of top management official

“The credit union uses a 3rd party software (compease) to set salaries via pay grades for all positions in the credit union. Information is provided independently by a 3rd party, is updated annually in the 3rd or 4th quarter of every year, and is implemented in april of the following year. All pay grades are reviewed and approved annually by the board of directors. This process was last undertaken in 2024.”

Form 990, Part VI, Line 15B Process to establish compensation of other employees

“The credit union uses a 3rd party software (compease) to set salaries via pay grades for all positions in the credit union. Information is provided independently by a 3rd party, is updated annually in the 3rd or 4th quarter of every year, and is implemented in april of the following year. All pay grades are reviewed and approved annually by the board of directors. This process was last undertaken in 2024.”

Form 990, Part VI, Line 19 Required documents available to the public

“Credit union bylaws and the conflict of interest policy are available upon request at the credit union's main office. Monthly financial statements are posted in the lobby of all credit union branch locations which are accessible to the general public. The quarterly financial performance reports are also available at www.ncua.gov.”

Filing and Contact Details

Filer

Filer Name
Dort Financial Credit Union
EIN
38-1440283
Phone
8107678390
Address
9048 HOLLY ROAD, GRAND BLANC, MI 48439
Doing Business As
Flagler Credit Union

Signing Officer

Name
Brian Waldron
Title
President/CEO
Phone
8107678390
Signed
2025-10-27
Discuss with paid preparer
Yes

Organization Details

Formed
1951
Legal Domicile
Mi
Voting Board Members
7
Independent Board Members
7
Employees
444
Volunteers
9

Preparer

Firm
Plante & Moran PLLC
Address
10 SOUTH RIVERSIDE PLAZA 9TH FLOOR, CHICAGO, IL 60606
Preparer
David Lowenthal CPA
Phone
3122071040
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9 Other changes in net assets or fund balances

“POSTRETIREMENT BENEFIT PLAN - -820502; Total - -820502;”

Form 990, Part XII, Line 2C Change of oversight process or selection process

“This process has not changed from the prior year.”

Financial Statement Notes

Schedule D, Part IV, Line 2B Explanation of escrow agreement

“Custodial accounts are maintained for mortgages.”

Schedule D, Part XI, Line 2(D) Other revenues in audited financial statements not in form 990

“Loss on reposession of assets - 25477”

Schedule D, Part XII, Line 4(B) Other expenses in form 990 not in audited financial statements

“Loss on reposession of assets - -25477”

Raw XML AppendixShowing 400 of 913 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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