BlastPoint's Credit Union Scorecard

DOVER

Charter #12443 · DE

Community 500M-750M

167 CUs in 500M-750M nationally 1 in DE

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DOVER has 4 strengths but faces 8 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

DE Analysis

How does DE stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 30.7% in tier
+ Net Interest Margin 0.24% above tier average
+ Total Deposits: Top 0.6% in tier
+ Total Assets: Top 5.4% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 37.7% in tier
- Indirect Auto Dependency: Bottom 44.6% in tier
- Stagnation Risk: Bottom 76.7% in tier
- Membership Headwinds: Bottom 76.7% in tier
- ROA 0.40% below tier average
- Efficiency ratio 3.46% above tier (higher cost structure)
- Delinquency rate 0.13% above tier average
- Member decline: -2.4% YoY

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (DE)	National Avg	Tier Percentile
Members	42,909 -2.4% YoY-1.2% QoQ	+4.8K	38,079 -4.8% YoY	16,940 +7.4% YoY	33,913 +5.7% YoY	68%
Assets	$734.9M +4.7% YoY+3.4% QoQ	+$115.3M	$619.7M -0.2% YoY	$214.1M +16.8% YoY	$578.3M +9.0% YoY	Top 6.0% in tier
Loans	$544.9M +1.2% YoY-1.2% QoQ	+$125.6M	$419.3M -1.4% YoY	$130.7M +18.0% YoY	$402.4M +8.7% YoY	Top 10.8% in tier
Deposits	$677.3M +4.8% YoY+3.8% QoQ	+$137.9M	$539.5M -0.1% YoY	$190.3M +16.8% YoY	$494.3M +9.1% YoY	Top 1.2% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.3% +124.2% YoY+36.5% QoQ	-0.4%	0.7% +36.0% YoY	1.6% +9.6% YoY	0.4% -39.2% YoY	22%
NIM	3.7% -2.9% YoY-5.1% QoQ	+0.2%	3.5% +4.5% YoY	3.5% +6.1% YoY	3.8% +4.1% YoY	74%
Efficiency Ratio	81.8% -2.6% YoY+1.8% QoQ	+3.5%	78.4% -3.7% YoY	78.7% -23.9% YoY	84.6% +2.8% YoY	62%
Delinquency Rate	0.8% -49.0% YoY-51.1% QoQ	+0.1	0.7% -0.9% YoY	2.3% +13.1% YoY	1.2% +3.4% YoY	66%
Loan To Share	80.4% -3.4% YoY-4.8% QoQ	+2.8%	77.7% -1.2% YoY	46.7% +1.2% YoY	65.6% -1.4% YoY	53%
AMR	$28,484 +5.7% YoY+2.7% QoQ	+$2K	$26,927 +3.1% YoY	$14,274 +3.2% YoY	$19,920 +1.6% YoY	70%
CD Concentration	25.0% +2.9% YoY-2.9% QoQ	+0.7%	24.3%	13.3%	19.8%	53%
Indirect Auto %	23.0% -35.7% YoY-11.2% QoQ	+9.2%	13.8%	7.4%	7.7%	75%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#410 of 491 • Top 30.7% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 5.70%

(Tier: 3.74%, National: 6.36%)

better than tier avg

637 nationally

↑ Growing +107 CUs YoY | New qualifier

Concerns (4)

Stagnation Risk

risk

#275 of 570 • Bottom 76.7% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -2.40%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 1.22%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.84%

(Tier: 0.76%, National: 1.19%)

worse than tier avg

676 nationally

→ No prior data (570 CUs now) | New qualifier

Indirect Auto Dependency

risk

#256 of 504 • Bottom 44.6% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 4.72%

(Tier: 4.68%, National: 1663.40%)

but better than tier avg

Indirect Auto %: 22.95%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -2.40%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

745 nationally

↓ Shrinking -29 CUs YoY | Rank worsening

Membership Headwinds

decline

#312 of 570 • Bottom 76.7% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -2.40%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

676 nationally

→ No prior data (570 CUs now) | New qualifier

Efficiency Drag

risk

#433 of 596 • Bottom 37.7% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 81.84%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.16% points

(Tier: 0.05% points, National: -0.45% points)

but better than tier avg

Member Growth (YoY): -2.40%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

702 nationally

↓ Shrinking -84 CUs YoY | Rank improving

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)

Compare against:

Comparing against 167 peers in tier

Top Strengths (4 metrics)

Total Deposits

balance_sheet

Value: $677.34M

Peer Median: $543.36M

#2 of 167 Top 0.6% in 500M-750M tier

Total Assets

balance_sheet

Value: $734.93M

Peer Median: $619.16M

#10 of 167 Top 5.4% in 500M-750M tier

Total Loans

balance_sheet

Value: $544.89M

Peer Median: $427.27M

#18 of 167 Top 10.2% in 500M-750M tier

Fee Income Per Member

profitability

Value: $248.89

Peer Median: $178.80

#36 of 167 Top 21.0% in 500M-750M tier

Top Weaknesses (4 metrics)

160

Net Worth Ratio

risk

Value: 7.71%

Peer Median: 10.35%

#160 of 167 Bottom 4.8% in 500M-750M tier

154

Net Charge-Off Rate

risk

Value: 1.06%

Peer Median: 0.39%

#154 of 167 Bottom 8.4% in 500M-750M tier

134

Member Growth Rate

growth

Value: -2.40%

Peer Median: 1.03%

#134 of 167 Bottom 20.4% in 500M-750M tier

130

Return on Assets (ROA)

profitability

Value: 0.29%

Peer Median: 0.61%

#130 of 167 Bottom 22.8% in 500M-750M tier