BlastPoint's Credit Union Scorecard
DELAWARE RIVER & BAY AUTH EMP
Charter #16769 · DE
2596 CUs in <100M nationally
9 in DE
DELAWARE RIVER & BAY AUTH EMP has 5 strengths but faces 12 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 4.3% in tier
Key Concerns
Areas that may need attention
- - ROA 0.65% below tier average
- - Member decline: -10.6% YoY
- - Net Charge-Off Rate: Bottom 1.7% in tier
- - Net Interest Margin (NIM): Bottom 3.0% in tier
- - Loan-to-Share Ratio: Bottom 3.4% in tier
- - Fee Income Per Member: Bottom 3.9% in tier
- - Members Per Employee (MPE): Bottom 4.9% in tier
- - Member Growth Rate: Bottom 5.2% in tier
- - Loan-to-Member Ratio (LMR): Bottom 7.8% in tier
- - Total Loans: Bottom 7.9% in tier
- - Asset Growth Rate: Bottom 9.5% in tier
- - Deposit Growth Rate: Bottom 9.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (DE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
396
-10.6% YoY-2.2% QoQ
|
-2.2K |
2,625
-2.2% YoY
|
17,253
+10.0% YoY
|
33,089
+6.1% YoY
|
Bottom 11.0% in tier |
| Assets |
$4.2M
-7.0% YoY+0.0% QoQ
|
$-25.6M |
$29.9M
+1.1% YoY
|
$195.2M
+8.0% YoY
|
$547.7M
+7.8% YoY
|
17% |
| Loans |
$533,599
-5.1% YoY-6.0% QoQ
|
$-15.2M |
$15.8M
-2.4% YoY
|
$121.5M
+9.1% YoY
|
$388.7M
+8.6% YoY
|
Bottom 7.9% in tier |
| Deposits |
$3.2M
-8.1% YoY+0.5% QoQ
|
$-22.3M |
$25.5M
+0.4% YoY
|
$172.1M
+8.7% YoY
|
$464.6M
+9.3% YoY
|
17% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.0%
-96.3% YoY-95.8% QoQ
|
-0.6% |
0.7%
-731.4% YoY
|
2.8%
+77.8% YoY
|
0.7%
+273.4% YoY
|
18% |
| NIM |
1.9%
+6.5% YoY+4.6% QoQ
|
-2.1% |
3.9%
+3.8% YoY
|
3.3%
+6.1% YoY
|
3.7%
+5.0% YoY
|
Bottom 2.9% in tier |
| Efficiency Ratio |
46.3%
+1.4% YoY-13.9% QoQ
|
-35.1% |
81.4%
-2.4% YoY
|
77.7%
-4.8% YoY
|
79.1%
-3.3% YoY
|
Bottom 4.3% in tier |
| Delinquency Rate |
0.0%
-100.0% YoY-100.0% QoQ
|
-1.5 |
1.5%
-2.0% YoY
|
2.7%
+22.3% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
16.7%
+3.2% YoY-6.5% QoQ
|
-44.6% |
61.2%
-3.0% YoY
|
48.0%
+0.7% YoY
|
68.0%
-1.7% YoY
|
Bottom 3.2% in tier |
| AMR |
$9,429
+3.3% YoY+1.8% QoQ
|
$-5K |
$14,627
-2.7% YoY
|
$13,877
+1.3% YoY
|
$19,418
+1.3% YoY
|
26% |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
12.6%
+3.7% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
7.8%
-5.9% YoY
|
7.9%
-2.9% YoY
|
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 Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
113
Efficiency Ratio
profitability
Value:
46.33%
Peer Avg: -
#113 of 2596
Top 4.3% in <100M tier
311
Net Worth Ratio
risk
Value:
24.37%
Peer Avg: -
#311 of 2596
Top 11.9% in <100M tier
Top Weaknesses (14 metrics)
2552
Net Charge-Off Rate
risk
Value:
4.72%
Peer Avg: -
#2552 of 2596
Bottom 1.7% in <100M tier
2520
Net Interest Margin (NIM)
profitability
Value:
1.88%
Peer Avg: -
#2520 of 2596
Bottom 3.0% in <100M tier
2510
Loan-to-Share Ratio
balance_sheet
Value:
16.67%
Peer Avg: -
#2510 of 2596
Bottom 3.4% in <100M tier
2495
Fee Income Per Member
profitability
Value:
$0.00
Peer Avg: -
#2495 of 2596
Bottom 3.9% in <100M tier
2470
Members Per Employee (MPE)
engagement
Value:
79.200
Peer Avg: -
#2470 of 2596
Bottom 4.9% in <100M tier
2461
Member Growth Rate
growth
Value:
-10.61%
Peer Avg: -
#2461 of 2596
Bottom 5.2% in <100M tier
2394
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,347
Peer Avg: -
#2394 of 2596
Bottom 7.8% in <100M tier
2391
Total Loans
balance_sheet
Value:
$533,599
Peer Avg: -
#2391 of 2596
Bottom 7.9% in <100M tier
2350
Asset Growth Rate
growth
Value:
-7.00%
Peer Avg: -
#2350 of 2596
Bottom 9.5% in <100M tier
2341
Deposit Growth Rate
growth
Value:
-8.06%
Peer Avg: -
#2341 of 2596
Bottom 9.9% in <100M tier