BlastPoint's Credit Union Scorecard
DOVER
Charter #12443 · DE
DOVER has 2 strengths but faces 11 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
- + Net Interest Margin 0.50% above tier average
- + Total Deposits: Top 4.1% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 1.7% in tier
- - Credit Risk Growth: Bottom 15.7% in tier
- - Indirect Auto Dependency: Bottom 17.1% in tier
- - Efficiency Drag: Bottom 21.5% in tier
- - Stagnation Risk: Bottom 24.4% in tier
- - Membership Headwinds: Bottom 25.0% in tier
- - ROA 0.26% below tier average
- - Efficiency ratio 2.38% above tier (higher cost structure)
- - Delinquency rate 1.40% above tier average
- - Total Delinquency Rate (60+ days): Bottom 3.6% in tier
- - Net Worth Ratio: Bottom 5.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (DE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
43,844
-1.4% YoY+0.2% QoQ
|
+4.1K |
39,752
-2.7% YoY
|
17,253
+10.0% YoY
|
33,089
+6.1% YoY
|
68% |
| Assets |
$709.9M
+2.3% YoY+0.7% QoQ
|
+$87.5M |
$622.4M
+0.3% YoY
|
$195.2M
+8.0% YoY
|
$547.7M
+7.8% YoY
|
84% |
| Loans |
$546.0M
+0.8% YoY+1.4% QoQ
|
+$110.0M |
$435.9M
-0.4% YoY
|
$121.5M
+9.1% YoY
|
$388.7M
+8.6% YoY
|
Top 14.2% in tier |
| Deposits |
$651.3M
+4.4% YoY+0.4% QoQ
|
+$113.3M |
$538.0M
+1.3% YoY
|
$172.1M
+8.7% YoY
|
$464.6M
+9.3% YoY
|
Top 4.7% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.4%
+73.8% YoY+100.7% QoQ
|
-0.3% |
0.7%
+33.9% YoY
|
2.8%
+77.8% YoY
|
0.7%
+273.4% YoY
|
35% |
| NIM |
3.9%
+13.3% YoY+1.7% QoQ
|
+0.5% |
3.4%
+8.6% YoY
|
3.3%
+6.1% YoY
|
3.7%
+5.0% YoY
|
84% |
| Efficiency Ratio |
80.5%
-5.6% YoY-3.5% QoQ
|
+2.4% |
78.1%
-3.4% YoY
|
77.7%
-4.8% YoY
|
79.1%
-3.3% YoY
|
60% |
| Delinquency Rate |
2.2%
+87.3% YoY+17.8% QoQ
|
+1.4 |
0.8%
-4.9% YoY
|
2.7%
+22.3% YoY
|
1.2%
-0.9% YoY
|
Top 3.6% in tier |
| Loan To Share |
83.8%
-3.4% YoY+1.0% QoQ
|
+2.8% |
81.0%
-1.8% YoY
|
48.0%
+0.7% YoY
|
68.0%
-1.7% YoY
|
52% |
| AMR |
$27,309
+4.2% YoY+0.7% QoQ
|
+$827 |
$26,482
+2.6% YoY
|
$13,877
+1.3% YoY
|
$19,418
+1.3% YoY
|
64% |
| CD Concentration |
25.3%
-5.4% YoY+7.8% QoQ
|
+0.9% |
24.4%
+4.2% YoY
|
12.6%
+3.7% YoY
|
19.6%
+6.2% YoY
|
53% |
| Indirect Auto % |
29.5%
-23.9% YoY-10.5% QoQ
|
+15.5% |
14.0%
-5.7% YoY
|
7.8%
-5.9% YoY
|
7.9%
-2.9% YoY
|
82% |
Signature Analysis
Strengths (0)
Concerns (6)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Stagnation Risk
riskMembership declining year-over-year. Shrinking 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.
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)