DEL-ONE

Charter #13919 | DE

500M-750M (169 CUs) Community (281 CUs)
2 500M-750M in DE

DEL-ONE has 9 strengths but faces 11 concerns

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
  • - Growth-at-Risk: 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
 Top 17.2% in tier
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
 Top 20.7% in tier
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
 39th in tier
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
 41st in tier
Indirect Auto % 30.7%
+0.1% YoY+0.5% QoQ
 +16.7% 14.0%
-5.8% YoY
 7.8%
-5.9% YoY
 7.9%
-2.9% YoY
 Top 16.6% in tier

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: 13.96%, National: 7.90%)
but worse than tier avg
603 of 281 Community CUs have this signature | 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: 3.64%, National: 36.38%)
but better than tier avg
258 of 281 Community CUs have this signature | 484 nationally
↓ Shrinking -28 CUs YoY | Rank improving

Growth-at-Risk

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: 3.64%, 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
446 of 281 Community CUs have this signature | 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
736 of 281 Community CUs have this signature | 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: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 14.25%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
525 of 281 Community CUs have this signature | 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
521 of 281 Community CUs have this signature | 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)

Comparing against 169 peers in tier

Top Strengths (11 metrics)

2
Total Members
engagement
Value: 96,741
Peer Avg: 39,752
#2 of 169 Top 0.6% in 500M-750M tier
3
Total Loans
balance_sheet
Value: $624.55M
Peer Avg: $435.95M
#3 of 169 Top 1.2% in 500M-750M tier
8
Member Growth Rate
growth
Value: 14.25%
Peer Avg: 1.75%
#8 of 169 Top 4.1% in 500M-750M tier
9
Members Per Employee (MPE)
engagement
Value: 522.924
Peer Avg: 338.010
#9 of 169 Top 4.7% in 500M-750M tier
9
Total Assets
balance_sheet
Value: $739.77M
Peer Avg: $622.38M
#9 of 169 Top 4.7% in 500M-750M tier
10
Loan-to-Share Ratio
balance_sheet
Value: 101.43%
Peer Avg: 81.02%
#10 of 169 Top 5.3% in 500M-750M tier
29
Total Deposits
balance_sheet
Value: $615.73M
Peer Avg: $538.02M
#29 of 169 Top 16.6% in 500M-750M tier
31
Loan Growth Rate
growth
Value: 9.85%
Peer Avg: 4.04%
#31 of 169 Top 17.8% in 500M-750M tier
35
Net Interest Margin (NIM)
profitability
Value: 3.85%
Peer Avg: 3.43%
#35 of 169 Top 20.1% in 500M-750M tier
36
Asset Growth Rate
growth
Value: 7.37%
Peer Avg: 4.33%
#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: $26,482
#168 of 169 Bottom 1.2% in 500M-750M tier
166
Loan-to-Member Ratio (LMR)
engagement
Value: $6,456
Peer Avg: $11,805
#166 of 169 Bottom 2.4% in 500M-750M tier
156
AMR Growth Rate
growth
Value: -4.76%
Peer Avg: 3.12%
#156 of 169 Bottom 8.3% in 500M-750M tier
150
Return on Assets (ROA)
profitability
Value: 0.17%
Peer Avg: 0.66%
#150 of 169 Bottom 11.8% in 500M-750M tier
149
Efficiency Ratio
profitability
Value: 89.19%
Peer Avg: 78.10%
#149 of 169 Bottom 12.4% in 500M-750M tier
148
Net Worth Ratio
risk
Value: 8.53%
Peer Avg: 10.94%
#148 of 169 Bottom 13.0% in 500M-750M tier
139
Indirect Auto Concentration (%)
balance_sheet
Value: 30.69%
Peer Avg: 16.19%
#139 of 169 Bottom 18.3% in 500M-750M tier