BlastPoint's Credit Union Scorecard
DELAWARE STATE POLICE
Charter #13791 · DE
DELAWARE STATE POLICE has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% in tier
- - ROA 0.09% below tier average
- - Efficiency ratio 1.87% above tier (higher cost structure)
- - Delinquency rate 0.40% above tier average
- - Member decline: -9.6% YoY
- - Member Growth Rate: Bottom 3.3% in tier
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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 4 that size in Delaware.
- Shares and deposits -1.5% year over year ($126M in shares and deposits).
- Membership: 7,867 members, -9.6% vs a year ago.
- Delinquency rate 1.28%.
- Return on assets 0.78%.
- Efficiency ratio 78.61% vs a 76.73% peer average.
- Loan-to-share ratio 43.26% vs a 71.54% 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 |
7,867
-9.6% YoY+0.8% QoQ
|
-7.3K |
15,168
-2.6% YoY
|
17,843
+5.5% YoY
|
34,678
+6.6% YoY
|
17% |
| Assets |
$138.1M
+0.1% YoY-0.9% QoQ
|
$-93.9M |
$232.0M
+0.7% YoY
|
$212.9M
+9.3% YoY
|
$593.1M
+10.2% YoY
|
24% |
| Loans |
$54.3M
-4.4% YoY+0.1% QoQ
|
$-91.9M |
$146.3M
+0.2% YoY
|
$132.7M
+10.6% YoY
|
$418.6M
+10.1% YoY
|
Bottom 7.7% in tier |
| Deposits |
$125.6M
-1.5% YoY-1.1% QoQ
|
$-75.1M |
$200.7M
+0.2% YoY
|
$188.9M
+9.2% YoY
|
$504.8M
+10.3% YoY
|
28% |
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| ROA |
0.8%
+55.9% YoY+41.1% QoQ
|
-0.1% |
0.9%
+12.5% YoY
|
1.1%
-28.8% YoY
|
1.2%
+121.4% YoY
|
51% |
| NIM |
3.0%
+9.6% YoY+3.8% QoQ
|
-0.7% |
3.7%
+4.5% YoY
|
3.5%
+5.6% YoY
|
3.8%
+2.3% YoY
|
Bottom 14.0% in tier |
| Efficiency Ratio |
78.6%
-7.2% YoY-6.1% QoQ
|
+1.9% |
76.7%
-0.8% YoY
|
79.3%
-0.3% YoY
|
83.0%
-5.3% YoY
|
54% |
| Delinquency Rate |
1.3%
-10.8% YoY+15.2% QoQ
|
+0.4 |
0.9%
+6.6% YoY
|
2.3%
-27.7% YoY
|
1.3%
+2.6% YoY
|
80% |
| Loan To Share |
43.3%
-3.0% YoY+1.2% QoQ
|
-28.3% |
71.5%
-0.3% YoY
|
47.6%
-0.9% YoY
|
66.4%
-1.4% YoY
|
Bottom 6.0% in tier |
| AMR |
$22,870
+8.0% YoY-1.5% QoQ
|
$-2K |
$25,107
+3.2% YoY
|
$14,118
+1.5% YoY
|
$20,028
-0.9% YoY
|
49% |
| CD Concentration |
16.5%
+23.1% YoY+0.5% QoQ
|
-8.0% | 24.6% | 13.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 7.1% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
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.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
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)