BlastPoint's Credit Union Scorecard
DOVER
Charter #12443 · DE
DOVER has 3 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
- + Wallet Share Momentum: Top 90.4% in tier
- + Net Interest Margin 0.46% above tier average
- + Total Deposits: Top 3.6% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 35.4% in tier
- - Indirect Auto Dependency: Bottom 46.7% in tier
- - Efficiency Drag: Bottom 51.6% in tier
- - Stagnation Risk: Bottom 59.7% in tier
- - Credit Risk Growth: Bottom 61.5% in tier
- - Membership Headwinds: Bottom 73.6% in tier
- - ROA 0.45% below tier average
- - Efficiency ratio 2.85% above tier (higher cost structure)
- - Delinquency rate 0.87% above tier average
- - Net Worth Ratio: Bottom 4.2% in tier
- - Total Delinquency Rate (60+ days): Bottom 8.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (DE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
43,410
-1.5% YoY-1.0% QoQ
|
+4.8K |
38,575
-4.8% YoY
|
17,002
+8.0% YoY
|
33,374
+5.7% YoY
|
68% |
| Assets |
$710.8M
+4.9% YoY+0.1% QoQ
|
+$89.1M |
$621.7M
+0.1% YoY
|
$210.6M
+17.0% YoY
|
$561.6M
+9.7% YoY
|
84% |
| Loans |
$551.3M
+2.9% YoY+1.0% QoQ
|
+$121.5M |
$429.8M
-1.8% YoY
|
$130.5M
+17.1% YoY
|
$397.0M
+8.8% YoY
|
Top 10.9% in tier |
| Deposits |
$652.7M
+4.8% YoY+0.2% QoQ
|
+$114.0M |
$538.7M
+0.6% YoY
|
$186.4M
+17.6% YoY
|
$477.3M
+9.7% YoY
|
Top 4.2% in tier |
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| ROA |
0.2%
+14.3% YoY-47.8% QoQ
|
-0.4% |
0.7%
+42.9% YoY
|
2.3%
+136.3% YoY
|
0.7%
+15.9% YoY
|
15% |
| NIM |
3.9%
+9.0% YoY-0.6% QoQ
|
+0.5% |
3.4%
+8.0% YoY
|
3.4%
+5.3% YoY
|
3.8%
+5.1% YoY
|
82% |
| Efficiency Ratio |
80.4%
-6.8% YoY-0.1% QoQ
|
+2.8% |
77.5%
-4.1% YoY
|
76.4%
-7.9% YoY
|
79.7%
-3.3% YoY
|
61% |
| Delinquency Rate |
1.7%
+21.0% YoY-22.1% QoQ
|
+0.9 |
0.8%
-1.1% YoY
|
1.8%
-3.1% YoY
|
1.3%
-2.1% YoY
|
Top 8.5% in tier |
| Loan To Share |
84.5%
-1.9% YoY+0.8% QoQ
|
+4.6% |
79.8%
-2.3% YoY
|
48.0%
+1.1% YoY
|
67.4%
-1.7% YoY
|
54% |
| AMR |
$27,734
+5.5% YoY+1.6% QoQ
|
+$885 |
$26,849
+2.7% YoY
|
$14,177
+3.6% YoY
|
$19,687
+2.0% YoY
|
66% |
| CD Concentration |
25.8%
+3.7% YoY+1.7% QoQ
|
+1.3% | 24.4% | 13.2% | 19.8% | 55% |
| Indirect Auto % |
25.8%
-31.2% YoY-12.4% QoQ
|
+12.0% | 13.8% | 7.6% | 7.8% | 79% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (6)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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 shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)