BlastPoint's Credit Union Scorecard
DELAWARE RIVER & BAY AUTH EMP
Charter #16769 · DE
2556 CUs in <100M nationally
9 in DE
DELAWARE RIVER & BAY AUTH EMP has 5 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 2.6% in tier
Key Concerns
Areas that may need attention
- - ROA 0.34% below tier average
- - Member decline: -4.9% YoY
- - Net Charge-Off Rate: Bottom 2.6% in tier
- - Loan-to-Share Ratio: Bottom 3.0% in tier
- - Net Interest Margin (NIM): Bottom 3.1% in tier
- - Fee Income Per Member: Bottom 3.3% in tier
- - Members Per Employee (MPE): Bottom 4.8% in tier
- - Loan-to-Member Ratio (LMR): Bottom 7.1% in tier
- - Total Loans: Bottom 7.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (DE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
387
-4.9% YoY-2.3% QoQ
|
-2.2K |
2,615
-1.9% YoY
|
17,002
+8.0% YoY
|
33,374
+5.7% YoY
|
Bottom 10.4% in tier |
| Assets |
$4.2M
-3.5% YoY-0.7% QoQ
|
$-25.9M |
$30.1M
+2.1% YoY
|
$210.6M
+17.0% YoY
|
$561.6M
+9.7% YoY
|
16% |
| Loans |
$492,738
-6.0% YoY-7.7% QoQ
|
$-15.3M |
$15.8M
-1.3% YoY
|
$130.5M
+17.1% YoY
|
$397.0M
+8.8% YoY
|
Bottom 7.3% in tier |
| Deposits |
$3.2M
-4.9% YoY-1.3% QoQ
|
$-22.5M |
$25.7M
+1.4% YoY
|
$186.4M
+17.6% YoY
|
$477.3M
+9.7% YoY
|
16% |
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| ROA |
0.3%
-300.8% YoY+691.9% QoQ
|
-0.3% |
0.6%
+10.8% YoY
|
2.3%
+136.3% YoY
|
0.7%
+15.9% YoY
|
29% |
| NIM |
1.8%
+9.2% YoY-3.2% QoQ
|
-2.1% |
4.0%
+4.0% YoY
|
3.4%
+5.3% YoY
|
3.8%
+5.1% YoY
|
Bottom 3.0% in tier |
| Efficiency Ratio |
44.5%
-34.8% YoY-4.0% QoQ
|
-38.1% |
82.6%
-2.3% YoY
|
76.4%
-7.9% YoY
|
79.7%
-3.3% YoY
|
Bottom 2.6% in tier |
| Delinquency Rate |
0.0%
-100.0% YoY
|
-1.6 |
1.6%
-3.1% YoY
|
1.8%
-3.1% YoY
|
1.3%
-2.1% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
15.6%
-1.1% YoY-6.5% QoQ
|
-45.0% |
60.6%
-3.1% YoY
|
48.0%
+1.1% YoY
|
67.4%
-1.7% YoY
|
Bottom 2.9% in tier |
| AMR |
$9,439
-0.2% YoY+0.1% QoQ
|
$-5K |
$14,783
-1.4% YoY
|
$14,177
+3.6% YoY
|
$19,687
+2.0% YoY
|
25% |
| CD Concentration | 0.0% | -24.4% | 24.4% | 13.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.6% | 7.8% | 50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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 (6 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
67
Efficiency Ratio
profitability
Value:
44.50%
Peer Median: -
#67 of 2556
Top 2.6% in <100M tier
300
Net Worth Ratio
risk
Value:
24.79%
Peer Median: -
#300 of 2556
Top 11.7% in <100M tier
Top Weaknesses (13 metrics)
2491
Net Charge-Off Rate
risk
Value:
3.74%
Peer Median: -
#2491 of 2556
Bottom 2.6% in <100M tier
2481
Loan-to-Share Ratio
balance_sheet
Value:
15.59%
Peer Median: -
#2481 of 2556
Bottom 3.0% in <100M tier
2479
Net Interest Margin (NIM)
profitability
Value:
1.82%
Peer Median: -
#2479 of 2556
Bottom 3.1% in <100M tier
2473
Fee Income Per Member
profitability
Value:
$0.00
Peer Median: -
#2473 of 2556
Bottom 3.3% in <100M tier
2434
Members Per Employee (MPE)
engagement
Value:
77.400
Peer Median: -
#2434 of 2556
Bottom 4.8% in <100M tier
2376
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,273
Peer Median: -
#2376 of 2556
Bottom 7.1% in <100M tier
2369
Total Loans
balance_sheet
Value:
$492,738
Peer Median: -
#2369 of 2556
Bottom 7.4% in <100M tier
2289
Total Members
engagement
Value:
387
Peer Median: -
#2289 of 2556
Bottom 10.5% in <100M tier
2143
Total Deposits
balance_sheet
Value:
$3.16M
Peer Median: -
#2143 of 2556
Bottom 16.2% in <100M tier
2136
Total Assets
balance_sheet
Value:
$4.21M
Peer Median: -
#2136 of 2556
Bottom 16.5% in <100M tier