BlastPoint's Credit Union Scorecard
DEL-ONE
Charter #13919 · DE
DEL-ONE has 11 strengths but faces 8 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 3.5% in tier
- + Organic Growth Engine: Top 65.5% in tier
- + Net Interest Margin 0.70% above tier average
- + Strong member growth: 7.1% YoY
- + Asset Growth Rate: Top 0.0% in tier
- + Deposit Growth Rate: Top 0.0% in tier
- + AMR Growth Rate: Top 0.9% in tier
- + Total Members: Top 0.9% in tier
- + Loan Growth Rate: Top 6.0% in tier
- + Member Growth Rate: Top 9.4% in tier
- + Total Assets: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 7.2% in tier
- - Indirect Auto Dependency: Bottom 25.0% in tier
- - Efficiency Drag: Bottom 30.2% in tier
- - Credit Quality Pressure: Bottom 30.7% in tier
- - ROA 0.43% below tier average
- - Efficiency ratio 12.79% above tier (higher cost structure)
- - Loan-to-Member Ratio (LMR): Bottom 4.3% in tier
- - Average Member Relationship (AMR): Bottom 5.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (DE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
91,716
+7.1% YoY-5.2% QoQ
|
+39.6K |
52,084
-1.6% YoY
|
17,002
+8.0% YoY
|
33,374
+5.7% YoY
|
Top 1.7% in tier |
| Assets |
$968.0M
+36.4% YoY+30.8% QoQ
|
+$104.1M |
$863.9M
+0.5% YoY
|
$210.6M
+17.0% YoY
|
$561.6M
+9.7% YoY
|
Top 10.3% in tier |
| Loans |
$684.7M
+17.5% YoY+9.6% QoQ
|
+$78.8M |
$605.8M
+1.4% YoY
|
$130.5M
+17.1% YoY
|
$397.0M
+8.8% YoY
|
74% |
| Deposits |
$836.0M
+44.0% YoY+35.8% QoQ
|
+$98.7M |
$737.3M
+0.1% YoY
|
$186.4M
+17.6% YoY
|
$477.3M
+9.7% YoY
|
Top 12.0% in tier |
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| ROA |
0.3%
+2.8% YoY+78.3% QoQ
|
-0.4% |
0.7%
+39.1% YoY
|
2.3%
+136.3% YoY
|
0.7%
+15.9% YoY
|
18% |
| NIM |
4.1%
+12.1% YoY+6.3% QoQ
|
+0.7% |
3.4%
+8.7% YoY
|
3.4%
+5.3% YoY
|
3.8%
+5.1% YoY
|
Top 12.8% in tier |
| Efficiency Ratio |
87.1%
+3.3% YoY-2.3% QoQ
|
+12.8% |
74.3%
-3.6% YoY
|
76.4%
-7.9% YoY
|
79.7%
-3.3% YoY
|
Top 7.7% in tier |
| Delinquency Rate |
0.6%
+139.9% YoY+13.9% QoQ
|
-0.3 |
0.9%
+3.8% YoY
|
1.8%
-3.1% YoY
|
1.3%
-2.1% YoY
|
35% |
| Loan To Share |
81.9%
-18.4% YoY-19.3% QoQ
|
-0.7% |
82.6%
+1.1% YoY
|
48.0%
+1.1% YoY
|
67.4%
-1.7% YoY
|
38% |
| AMR |
$16,580
+22.0% YoY+29.3% QoQ
|
$-12K |
$28,873
+2.7% YoY
|
$14,177
+3.6% YoY
|
$19,687
+2.0% YoY
|
Bottom 4.3% in tier |
| CD Concentration |
19.0%
-1.5% YoY-12.3% QoQ
|
-5.4% | 24.4% | 13.2% | 19.8% | 31% |
| Indirect Auto % |
27.9%
-9.0% YoY-9.2% QoQ
|
+14.1% | 13.8% | 7.6% | 7.8% | 81% |
Signature Analysis
Strengths (2)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (4)
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.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)