BlastPoint's Credit Union Scorecard
DELAWARE RIVER & BAY AUTH EMP
Charter #16769 · DE
<100M
2508 CUs in <100M nationally
9 in DE
DELAWARE RIVER & BAY AUTH EMP has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.21% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Efficiency Ratio: Top 1.7% in tier
Key Concerns
Areas that may need attention
- - Member decline: -5.2% YoY
- - Loan-to-Share Ratio: Bottom 2.8% in tier
- - Net Interest Margin (NIM): Bottom 4.5% in tier
- - Members Per Employee (MPE): Bottom 4.7% in tier
- - Fee Income Per Member: Bottom 4.7% in tier
- - Loan-to-Member Ratio (LMR): Bottom 6.9% in tier
- - Total Loans: Bottom 7.2% in tier
- - Loan Growth Rate: Bottom 8.2% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (DE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
380
-5.2% YoY-1.8% QoQ
|
-2.3K |
2,676
+1.6% YoY
|
16,940
+7.4% YoY
|
33,913
+5.7% YoY
|
Bottom 10.3% in tier |
| Assets |
$4.2M
-1.1% YoY+0.2% QoQ
|
$-26.0M |
$30.2M
+1.3% YoY
|
$214.1M
+16.8% YoY
|
$578.3M
+9.0% YoY
|
16% |
| Loans |
$449,120
-18.0% YoY-8.9% QoQ
|
$-14.8M |
$15.3M
-2.0% YoY
|
$130.7M
+18.0% YoY
|
$402.4M
+8.7% YoY
|
Bottom 7.2% in tier |
| Deposits |
$3.2M
-1.9% YoY-0.2% QoQ
|
$-22.6M |
$25.8M
+0.7% YoY
|
$190.3M
+16.8% YoY
|
$494.3M
+9.1% YoY
|
16% |
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| ROA |
1.4%
+36.3% YoY+389.6% QoQ
|
+1.2% |
0.1%
-77.6% YoY
|
1.6%
+9.6% YoY
|
0.4%
-39.2% YoY
|
81% |
| NIM |
2.2%
+19.2% YoY+18.2% QoQ
|
-1.9% |
4.0%
+4.0% YoY
|
3.5%
+6.1% YoY
|
3.8%
+4.1% YoY
|
Bottom 4.5% in tier |
| Efficiency Ratio |
36.9%
-17.7% YoY-17.1% QoQ
|
-53.7% |
90.6%
+6.5% YoY
|
78.7%
-23.9% YoY
|
84.6%
+2.8% YoY
|
Top 1.7% in tier |
| Delinquency Rate |
0.0%
-100.0% YoY
|
-1.5 |
1.5%
+3.8% YoY
|
2.3%
+13.1% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share |
14.2%
-16.4% YoY-8.7% QoQ
|
-44.3% |
58.5%
-3.0% YoY
|
46.7%
+1.2% YoY
|
65.6%
-1.4% YoY
|
Bottom 2.7% in tier |
| AMR |
$9,483
+1.1% YoY+0.5% QoQ
|
$-5K |
$14,884
-1.7% YoY
|
$14,274
+3.2% YoY
|
$19,920
+1.6% YoY
|
25% |
| CD Concentration | 0.0% | -24.3% | 24.3% | 13.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.4% | 7.7% | 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 (8 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Median: 0.65%
#1 of 2508
Top 0.1% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 12.45%
#1 of 2508
Top 0.1% in <100M tier
43
Efficiency Ratio
profitability
Value:
36.91%
Peer Median: 81.45%
#43 of 2508
Top 1.7% in <100M tier
266
Net Worth Ratio
risk
Value:
25.08%
Peer Median: 14.28%
#266 of 2508
Top 10.6% in <100M tier
469
Return on Assets (ROA)
profitability
Value:
1.36%
Peer Median: 0.61%
#469 of 2508
Top 18.7% in <100M tier
510
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: 0.07%
#510 of 2508
Top 20.3% in <100M tier
Top Weaknesses (11 metrics)
2439
Loan-to-Share Ratio
balance_sheet
Value:
14.24%
Peer Median: 58.72%
#2439 of 2508
Bottom 2.8% in <100M tier
2395
Net Interest Margin (NIM)
profitability
Value:
2.15%
Peer Median: 3.83%
#2395 of 2508
Bottom 4.5% in <100M tier
2391
Members Per Employee (MPE)
engagement
Value:
76.000
Peer Median: 333.750
#2391 of 2508
Bottom 4.7% in <100M tier
2390
Fee Income Per Member
profitability
Value:
$0.00
Peer Median: $60.42
#2390 of 2508
Bottom 4.7% in <100M tier
2337
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,182
Peer Median: $4,923
#2337 of 2508
Bottom 6.9% in <100M tier
2328
Total Loans
balance_sheet
Value:
$449,120
Peer Median: $9.48M
#2328 of 2508
Bottom 7.2% in <100M tier
2303
Loan Growth Rate
growth
Value:
-18.02%
Peer Median: -2.36%
#2303 of 2508
Bottom 8.2% in <100M tier
2249
Total Members
engagement
Value:
380
Peer Median: 1,918
#2249 of 2508
Bottom 10.4% in <100M tier
2108
Total Deposits
balance_sheet
Value:
$3.15M
Peer Median: $18.77M
#2108 of 2508
Bottom 16.0% in <100M tier
2101
Member Growth Rate
growth
Value:
-5.24%
Peer Median: -1.37%
#2101 of 2508
Bottom 16.3% in <100M tier