BlastPoint's Credit Union Scorecard
DOVER
Charter #12443 · DE
DOVER has 4 strengths but faces 8 concerns
How does the industry compare?
What's your peer group doing?
How does DE stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 37.1% in tier
- + Net Interest Margin 0.24% above tier average
- + Total Deposits: Top 1.2% in tier
- + Total Assets: Top 7.3% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 29.9% in tier
- - Indirect Auto Dependency: Bottom 54.2% in tier
- - Stagnation Risk: Bottom 76.8% in tier
- - Membership Headwinds: Bottom 76.8% in tier
- - ROA 0.48% below tier average
- - Efficiency ratio 6.36% above tier (higher cost structure)
- - Delinquency rate 0.10% above tier average
- - Member decline: -2.3% YoY
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 165 credit unions with $500M-$750M in assets nationally, and 1 of 1 that size in Delaware.
- Shares and deposits +3.7% year over year ($673M in shares and deposits).
- Membership: 42,742 members, -2.3% vs a year ago.
- Delinquency rate 0.91%.
- Return on assets 0.34%.
- Efficiency ratio 82.92% vs a 76.56% peer average.
- Loan-to-share ratio 81.06% vs a 79.33% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (DE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
42,742
-2.3% YoY-0.4% QoQ
|
+4.8K |
37,897
-5.0% YoY
|
17,843
+5.5% YoY
|
34,678
+6.6% YoY
|
69% |
| Assets |
$731.9M
+3.8% YoY-0.4% QoQ
|
+$109.6M |
$622.4M
+0.6% YoY
|
$212.9M
+9.3% YoY
|
$593.1M
+10.2% YoY
|
Top 7.9% in tier |
| Loans |
$545.2M
+1.3% YoY+0.1% QoQ
|
+$116.7M |
$428.5M
-0.7% YoY
|
$132.7M
+10.6% YoY
|
$418.6M
+10.1% YoY
|
Top 12.1% in tier |
| Deposits |
$672.5M
+3.7% YoY-0.7% QoQ
|
+$132.8M |
$539.8M
+0.9% YoY
|
$188.9M
+9.2% YoY
|
$504.8M
+10.3% YoY
|
Top 1.8% in tier |
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| ROA |
0.3%
+68.5% YoY+17.8% QoQ
|
-0.5% |
0.8%
+39.5% YoY
|
1.1%
-28.8% YoY
|
1.2%
+121.4% YoY
|
18% |
| NIM |
3.8%
-2.3% YoY+1.9% QoQ
|
+0.2% |
3.5%
+5.0% YoY
|
3.5%
+5.6% YoY
|
3.8%
+2.3% YoY
|
73% |
| Efficiency Ratio |
82.9%
-0.5% YoY+1.3% QoQ
|
+6.4% |
76.6%
-3.6% YoY
|
79.3%
-0.3% YoY
|
83.0%
-5.3% YoY
|
74% |
| Delinquency Rate |
0.9%
-51.0% YoY+9.0% QoQ
|
+0.1 |
0.8%
+3.1% YoY
|
2.3%
-27.7% YoY
|
1.3%
+2.6% YoY
|
65% |
| Loan To Share |
81.1%
-2.3% YoY+0.8% QoQ
|
+1.7% |
79.3%
-1.4% YoY
|
47.6%
-0.9% YoY
|
66.4%
-1.4% YoY
|
48% |
| AMR |
$28,490
+5.1% YoY+0.0% QoQ
|
+$1K |
$27,294
+4.1% YoY
|
$14,118
+1.5% YoY
|
$20,028
-0.9% YoY
|
68% |
| CD Concentration |
25.0%
+6.6% YoY+0.1% QoQ
|
+0.5% | 24.6% | 13.4% | 20.0% | 52% |
| Indirect Auto % |
19.9%
-39.5% YoY-13.1% QoQ
|
+6.3% | 13.6% | 7.1% | 7.7% | 72% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)