DELAWARE STATE POLICE
Charter #13791 | DE
100M-500M
(1077 CUs)
Micro
($0-$500M)
5 100M-500M in DE
DELAWARE STATE POLICE has 7 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 13.0% in tier
- + Organic Growth Leader: Top 15.0% in tier
- + Organic Growth Engine: Top 15.6% in tier
- + Relationship Depth Leader: Top 24.9% in tier
- + Wallet Share Momentum: Top 33.3% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 8.9% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 2.6% in tier
- - Cost Spiral: Bottom 17.3% in tier
- - Efficiency Drag: Bottom 28.4% in tier
- - ROA 0.14% below tier average
- - Efficiency ratio 3.27% above tier (higher cost structure)
- - Delinquency rate 0.49% above tier average
- - Loan-to-Share Ratio: Bottom 5.3% in tier
- - Total Loans: Bottom 7.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (DE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,750
+2.7% YoY+0.5% QoQ
|
-6.9K |
15,628
-3.4% YoY
|
17,253
+10.0% YoY
|
33,089
+6.1% YoY
|
Bottom 21.1% in tier |
| Assets |
$139.9M
+7.4% YoY+1.4% QoQ
|
$-91.4M |
$231.3M
-0.0% YoY
|
$195.2M
+8.0% YoY
|
$547.7M
+7.8% YoY
|
26th in tier |
| Loans |
$56.1M
-1.2% YoY-1.4% QoQ
|
$-91.7M |
$147.8M
-1.4% YoY
|
$121.5M
+9.1% YoY
|
$388.7M
+8.6% YoY
|
Bottom 7.6% in tier |
| Deposits |
$128.6M
+6.7% YoY+0.8% QoQ
|
$-71.7M |
$200.3M
-0.0% YoY
|
$172.1M
+8.7% YoY
|
$464.6M
+9.3% YoY
|
30th in tier |
| ROA |
0.6%
-45.3% YoY+30.4% QoQ
|
-0.1% |
0.8%
+15.5% YoY
|
2.8%
+77.8% YoY
|
0.7%
+273.4% YoY
|
42nd in tier |
| NIM |
2.7%
-0.5% YoY+0.0% QoQ
|
-0.8% |
3.6%
+6.9% YoY
|
3.3%
+6.1% YoY
|
3.7%
+5.0% YoY
|
Bottom 11.0% in tier |
| Efficiency Ratio |
80.5%
+12.2% YoY-4.9% QoQ
|
+3.3% |
77.3%
-3.0% YoY
|
77.7%
-4.8% YoY
|
79.1%
-3.3% YoY
|
63rd in tier |
| Delinquency Rate |
1.3%
+172.4% YoY-6.4% QoQ
|
+0.5 |
0.9%
+7.6% YoY
|
2.7%
+22.3% YoY
|
1.2%
-0.9% YoY
|
Top 17.8% in tier |
| Loan To Share |
43.6%
-7.4% YoY-2.2% QoQ
|
-29.1% |
72.7%
-1.5% YoY
|
48.0%
+0.7% YoY
|
68.0%
-1.7% YoY
|
Bottom 5.2% in tier |
| AMR |
$21,105
+1.4% YoY-0.3% QoQ
|
$-3K |
$24,363
+2.9% YoY
|
$13,877
+1.3% YoY
|
$19,418
+1.3% YoY
|
43rd in tier |
| CD Concentration |
15.4%
+48.7% YoY+14.7% QoQ
|
-9.0% |
24.4%
+4.2% YoY
|
12.6%
+3.7% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
7.8%
-5.9% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (5)
Emerging Performer
growth
#244 of 627 • Top 13.0% in tier
Profitable credit union with positive returns. May represent growth potential worth exploring.
Why This Signature
Return on Assets:
0.65%
(Tier:
0.77%, National:
0.71%)
Member Growth (YoY):
2.69%
(Tier:
0.88%, National:
9.37%)
627 of 1077 Community CUs have this signature
| 852 nationally
↑ Growing
+13 CUs YoY
|
Rank worsening
Organic Growth Leader
growth
#199 of 430 • Top 15.0% in tier
Attracting members without relying on indirect channels. Healthy, sustainable growth model.
Why This Signature
Member Growth (YoY):
2.69%
(Tier:
0.88%, National:
9.37%)
430 of 1077 Community CUs have this signature
| 608 nationally
↓ Shrinking
-21 CUs YoY
|
New qualifier
Organic Growth Engine
growth
#287 of 603 • Top 15.6% in tier
Growing membership while maintaining profitability. Healthy fundamentals in place.
Why This Signature
Member Growth (YoY):
2.69%
(Tier:
0.88%, National:
9.37%)
Return on Assets:
0.65%
(Tier:
0.77%, National:
0.71%)
Indirect Auto %:
0.00%
(Tier:
13.96%, National:
7.90%)
603 of 1077 Community CUs have this signature
| 917 nationally
→ Stable (608→603 CUs)
-5 CUs YoY
|
New qualifier
Relationship Depth Leader
growth
#688 of 1006 • Top 24.9% in tier
Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.
Why This Signature
AMR Growth (YoY):
1.43%
(Tier:
3.68%, National:
4.19%)
Share Draft per Member:
$3.2K
(Tier: $2.8K, National: $2.0K)
1006 of 1077 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
|
New qualifier
Wallet Share Momentum
growth
#919 of 1006 • Top 33.3% in tier
Average member relationship growing year-over-year. Members are deepening their engagement.
Why This Signature
AMR Growth (YoY):
1.43%
(Tier:
3.68%, National:
4.19%)
1006 of 1077 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
|
New qualifier
Concerns (3)
Credit Quality Pressure
risk
#65 of 736 • Bottom 2.6% in tier
Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Why This Signature
Delinquency Change (YoY):
0.85% points
(Tier:
0.04% points, National:
0.07% points)
736 of 1077 Community CUs have this signature
| 1002 nationally
↓ Shrinking
-199 CUs YoY
|
New qualifier
Cost Spiral
risk
#43 of 62 • Bottom 17.3% in tier
Historically lean operator now seeing efficiency ratio rise significantly. Efficiency advantage eroding - early intervention critical.
Why This Signature
Efficiency Ratio Change:
8.78% points
(Tier:
-2.84% points, National:
-1.81% points)
Efficiency Ratio (Prior Year):
-
(Tier: -, National: -)
Total Assets:
$139.89M
(Tier: $231.30M, National: $547.69M)
62 of 1077 Community CUs have this signature
| 80 nationally
↓ Shrinking
-38 CUs YoY
|
New qualifier
Efficiency Drag
risk
#501 of 521 • Bottom 28.4% in tier
High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Why This Signature
Efficiency Ratio:
80.54%
(Tier:
77.15%, National:
79.10%)
ROA Change (YoY):
-0.54% points
(Tier:
0.11% points, National:
0.05% points)
Member Growth (YoY):
2.69%
(Tier:
0.88%, National:
9.37%)
521 of 1077 Community CUs have this signature
| 624 nationally
↓ Shrinking
-113 CUs YoY
|
New qualifier
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)
Top Strengths (5 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 13.34%
#1 of 1077
Top 0.0% in 100M-500M tier
97
Net Charge-Off Rate
risk
Value:
0.06%
Peer Avg: 0.47%
#97 of 1077
Top 8.9% in 100M-500M tier
242
Member Growth Rate
growth
Value:
2.69%
Peer Avg: 0.72%
#242 of 1077
Top 22.4% in 100M-500M tier
242
Asset Growth Rate
growth
Value:
7.42%
Peer Avg: 4.70%
#242 of 1077
Top 22.4% in 100M-500M tier
255
Share Certificate Concentration (%)
balance_sheet
Value:
15.40%
Peer Avg: 23.61%
#255 of 1077
Top 23.6% in 100M-500M tier
Top Weaknesses (6 metrics)
1021
Loan-to-Share Ratio
balance_sheet
Value:
43.61%
Peer Avg: 72.70%
#1021 of 1077
Bottom 5.3% in 100M-500M tier
995
Total Loans
balance_sheet
Value:
$56.07M
Peer Avg: $147.80M
#995 of 1077
Bottom 7.7% in 100M-500M tier
959
Net Interest Margin (NIM)
profitability
Value:
2.75%
Peer Avg: 3.58%
#959 of 1077
Bottom 11.0% in 100M-500M tier
892
Loan-to-Member Ratio (LMR)
engagement
Value:
$6,408
Peer Avg: $10,245
#892 of 1077
Bottom 17.3% in 100M-500M tier
886
Total Delinquency Rate (60+ days)
risk
Value:
1.35%
Peer Avg: 0.86%
#886 of 1077
Bottom 17.8% in 100M-500M tier
850
Total Members
engagement
Value:
8,750
Peer Avg: 15,628
#850 of 1077
Bottom 21.2% in 100M-500M tier