BlastPoint's Credit Union Scorecard
DEL-ONE
Charter #13919 · DE
DEL-ONE has 8 strengths but faces 6 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 1.0% in tier
- + ROA 0.11% above tier average
- + Net Interest Margin 0.45% above tier average
- + Strong member growth: 5.6% YoY
- + Asset Growth Rate: Top 0.1% in tier
- + Deposit Growth Rate: Top 0.1% in tier
- + AMR Growth Rate: Top 0.9% in tier
- + Total Members: Top 0.9% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 0.9% in tier
- - Credit Risk Growth: Bottom 3.6% in tier
- - Credit Quality Pressure: Bottom 30.4% in tier
- - Loan-to-Member Ratio (LMR): Bottom 4.3% in tier
- - Average Member Relationship (AMR): Bottom 5.1% in tier
- - Net Charge-Off Rate: Bottom 7.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (DE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
92,957
+5.6% YoY+1.4% QoQ
|
+41.5K |
51,500
+0.7% YoY
|
16,940
+7.4% YoY
|
33,913
+5.7% YoY
|
Top 1.7% in tier |
| Assets |
$984.4M
+35.8% YoY+1.7% QoQ
|
+$118.7M |
$865.6M
+0.9% YoY
|
$214.1M
+16.8% YoY
|
$578.3M
+9.0% YoY
|
Top 6.0% in tier |
| Loans |
$697.3M
+20.1% YoY+1.9% QoQ
|
+$102.1M |
$595.3M
+1.6% YoY
|
$130.7M
+18.0% YoY
|
$402.4M
+8.7% YoY
|
82% |
| Deposits |
$861.0M
+42.0% YoY+3.0% QoQ
|
+$118.8M |
$742.2M
+0.6% YoY
|
$190.3M
+16.8% YoY
|
$494.3M
+9.1% YoY
|
Top 8.5% in tier |
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| ROA |
0.9%
+697.6% YoY+181.0% QoQ
|
+0.1% |
0.8%
+45.0% YoY
|
1.6%
+9.6% YoY
|
0.4%
-39.2% YoY
|
60% |
| NIM |
3.9%
+2.5% YoY-4.6% QoQ
|
+0.5% |
3.5%
+6.1% YoY
|
3.5%
+6.1% YoY
|
3.8%
+4.1% YoY
|
79% |
| Efficiency Ratio |
75.4%
-16.8% YoY-13.5% QoQ
|
-0.1% |
75.5%
-3.4% YoY
|
78.7%
-23.9% YoY
|
84.6%
+2.8% YoY
|
38% |
| Delinquency Rate |
0.5%
+44.4% YoY-16.7% QoQ
|
-0.2 |
0.7%
-0.1% YoY
|
2.3%
+13.1% YoY
|
1.2%
+3.4% YoY
|
41% |
| Loan To Share |
81.0%
-15.4% YoY-1.1% QoQ
|
+0.4% |
80.6%
+0.7% YoY
|
46.7%
+1.2% YoY
|
65.6%
-1.4% YoY
|
43% |
| AMR |
$16,764
+24.3% YoY+1.1% QoQ
|
$-12K |
$28,908
+0.7% YoY
|
$14,274
+3.2% YoY
|
$19,920
+1.6% YoY
|
Bottom 4.3% in tier |
| CD Concentration |
19.3%
-1.2% YoY+1.6% QoQ
|
-5.0% | 24.3% | 13.3% | 19.8% | 33% |
| Indirect Auto % |
27.8%
-9.3% YoY-0.2% QoQ
|
+14.0% | 13.8% | 7.4% | 7.7% | 81% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
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.
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)