BlastPoint's Credit Union Scorecard

DEL-ONE

Charter #13919 · DE

Community 500M-750M

169 CUs in 500M-750M nationally 2 in DE

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DEL-ONE has 9 strengths but faces 11 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

DE Analysis

How does DE stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 22.1% in tier
+ Net Interest Margin 0.42% above tier average
+ Strong member growth: 14.2% YoY
+ Total Members: Top 0.6% in tier
+ Total Loans: Top 1.2% in tier
+ Member Growth Rate: Top 4.1% in tier
+ Members Per Employee (MPE): Top 4.7% in tier
+ Total Assets: Top 4.7% in tier
+ Loan-to-Share Ratio: Top 5.3% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 2.3% in tier
- Credit Risk Growth: Bottom 4.4% in tier
- Shrinking Wallet Share: Bottom 6.5% in tier
- Credit Quality Pressure: Bottom 10.0% in tier
- Indirect Auto Dependency: Bottom 13.1% in tier
- Efficiency Drag: Bottom 15.6% in tier
- ROA 0.49% below tier average
- Efficiency ratio 11.09% above tier (higher cost structure)
- Average Member Relationship (AMR): Bottom 1.2% in tier
- Loan-to-Member Ratio (LMR): Bottom 2.4% in tier
- AMR Growth Rate: Bottom 8.3% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (DE)	National Avg	Tier Percentile
Members	96,741 +14.2% YoY+8.2% QoQ	+57.0K	39,752 -2.7% YoY	17,253 +10.0% YoY	33,089 +6.1% YoY	Top 1.2% in tier
Assets	$739.8M +7.4% YoY+1.2% QoQ	+$117.4M	$622.4M +0.3% YoY	$195.2M +8.0% YoY	$547.7M +7.8% YoY	Top 5.3% in tier
Loans	$624.6M +9.9% YoY+2.4% QoQ	+$188.6M	$435.9M -0.4% YoY	$121.5M +9.1% YoY	$388.7M +8.6% YoY	Top 1.8% in tier
Deposits	$615.7M +7.8% YoY-0.2% QoQ	+$77.7M	$538.0M +1.3% YoY	$172.1M +8.7% YoY	$464.6M +9.3% YoY	83%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.2% -43.0% YoY+58.5% QoQ	-0.5%	0.7% +33.9% YoY	2.8% +77.8% YoY	0.7% +273.4% YoY	Bottom 11.2% in tier
NIM	3.8% +5.5% YoY+1.0% QoQ	+0.4%	3.4% +8.6% YoY	3.3% +6.1% YoY	3.7% +5.0% YoY	79%
Efficiency Ratio	89.2% +4.8% YoY-2.6% QoQ	+11.1%	78.1% -3.4% YoY	77.7% -4.8% YoY	79.1% -3.3% YoY	Top 12.4% in tier
Delinquency Rate	0.5% +157.7% YoY+26.9% QoQ	-0.3	0.8% -4.9% YoY	2.7% +22.3% YoY	1.2% -0.9% YoY	39%
Loan To Share	101.4% +1.9% YoY+2.6% QoQ	+20.4%	81.0% -1.8% YoY	48.0% +0.7% YoY	68.0% -1.7% YoY	Top 5.9% in tier
AMR	$12,821 -4.8% YoY-6.5% QoQ	$-14K	$26,482 +2.6% YoY	$13,877 +1.3% YoY	$19,418 +1.3% YoY	Bottom 0.6% in tier
CD Concentration	21.6% +14.5% YoY+3.4% QoQ	-2.8%	24.4% +4.2% YoY	12.6% +3.7% YoY	19.6% +6.2% YoY	41%
Indirect Auto %	30.7% +0.1% YoY+0.5% QoQ	+16.7%	14.0% -5.7% YoY	7.8% -5.9% YoY	7.9% -2.9% YoY	83%

Signature Analysis

Strengths (1)

Organic Growth Engine

growth

#406 of 603 • Top 22.1% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 14.25%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 0.17%

(Tier: 0.77%, National: 0.71%)

but worse than tier avg

Indirect Auto %: 30.69%

(Tier: 13.97%, National: 7.90%)

but worse than tier avg

917 nationally

→ Stable (608→603 CUs) -5 CUs YoY

Concerns (6)

Liquidity Strain

risk

#19 of 258 • Bottom 2.3% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 101.43%

(Tier: 74.56%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): 9.85%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

258 of 281 Community CUs have this signature | 484 nationally

↓ Shrinking -28 CUs YoY | Rank improving

Credit Risk Growth

risk

#67 of 446 • Bottom 4.4% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 9.85%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

Delinquency Change (YoY): 0.32% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

646 nationally

↓ Shrinking -77 CUs YoY | New qualifier

Shrinking Wallet Share

decline

#66 of 244 • Bottom 6.5% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -4.76%

(Tier: 3.68%, National: 4.19%)

worse than tier avg

244 of 281 Community CUs have this signature | 346 nationally

↓ Shrinking -221 CUs YoY | Rank improving

Credit Quality Pressure

risk

#249 of 736 • Bottom 10.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.32% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

1002 nationally

↓ Shrinking -199 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#211 of 525 • Bottom 13.1% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 7.37%

(Tier: 4.61%, National: 3.04%)

but better than tier avg

Indirect Auto %: 30.69%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): 14.25%

(Tier: 0.88%, National: 9.37%)

but better than tier avg

768 nationally

↓ Shrinking -18 CUs YoY | Rank improving

Efficiency Drag

risk

#276 of 521 • Bottom 15.6% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 89.19%

(Tier: 77.15%, National: 79.10%)

worse than tier avg

ROA Change (YoY): -0.13% points

(Tier: 0.11% points, National: 0.05% points)

worse than tier avg

Member Growth (YoY): 14.25%

(Tier: 0.88%, National: 9.37%)

but better than tier avg

624 nationally

↓ Shrinking -113 CUs YoY | Rank improving

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)

Compare against:

Comparing against 169 peers in tier

Top Strengths (11 metrics)

Total Members

engagement

Value: 96,741

Peer Avg: -

#2 of 169 Top 0.6% in 500M-750M tier

Total Loans

balance_sheet

Value: $624.55M

Peer Avg: -

#3 of 169 Top 1.2% in 500M-750M tier

Member Growth Rate

growth

Value: 14.25%

Peer Avg: -

#8 of 169 Top 4.1% in 500M-750M tier

Members Per Employee (MPE)

engagement

Value: 522.924

Peer Avg: -

#9 of 169 Top 4.7% in 500M-750M tier

Total Assets

balance_sheet

Value: $739.77M

Peer Avg: -

#9 of 169 Top 4.7% in 500M-750M tier

Loan-to-Share Ratio

balance_sheet

Value: 101.43%

Peer Avg: -

#10 of 169 Top 5.3% in 500M-750M tier

Total Deposits

balance_sheet

Value: $615.73M

Peer Avg: -

#29 of 169 Top 16.6% in 500M-750M tier

Loan Growth Rate

growth

Value: 9.85%

Peer Avg: -

#31 of 169 Top 17.8% in 500M-750M tier

Net Interest Margin (NIM)

profitability

Value: 3.85%

Peer Avg: -

#35 of 169 Top 20.1% in 500M-750M tier

Asset Growth Rate

growth

Value: 7.37%

Peer Avg: -

#36 of 169 Top 20.7% in 500M-750M tier

Top Weaknesses (7 metrics)

168

Average Member Relationship (AMR)

engagement

Value: $12,821

Peer Avg: -

#168 of 169 Bottom 1.2% in 500M-750M tier

166

Loan-to-Member Ratio (LMR)

engagement

Value: $6,456

Peer Avg: -

#166 of 169 Bottom 2.4% in 500M-750M tier

156

AMR Growth Rate

growth

Value: -4.76%

Peer Avg: -

#156 of 169 Bottom 8.3% in 500M-750M tier

150

Return on Assets (ROA)

profitability

Value: 0.17%

Peer Avg: -

#150 of 169 Bottom 11.8% in 500M-750M tier

149

Efficiency Ratio

profitability

Value: 89.19%

Peer Avg: -

#149 of 169 Bottom 12.4% in 500M-750M tier

148

Net Worth Ratio

risk

Value: 8.53%

Peer Avg: -

#148 of 169 Bottom 13.0% in 500M-750M tier

139

Indirect Auto Concentration (%)

balance_sheet

Value: 30.69%

Peer Avg: -

#139 of 169 Bottom 18.3% in 500M-750M tier