BlastPoint's Credit Union Scorecard
DELAWARE RIVER & BAY AUTH EMP
Charter #16769 · DE
DELAWARE RIVER & BAY AUTH EMP has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Efficiency Ratio: Top 3.1% in tier
- + Net Charge-Off Rate: Top 3.4% in tier
- + Net Worth Ratio: Top 9.9% in tier
Key Concerns
Areas that may need attention
- - ROA 0.39% below tier average
- - Member decline: -8.6% YoY
- - Fee Income Per Member: Bottom 3.0% in tier
- - Loan-to-Share Ratio: Bottom 3.0% in tier
- - Net Interest Margin (NIM): Bottom 3.8% in tier
- - Loan Growth Rate: Bottom 4.7% in tier
- - Members Per Employee (MPE): Bottom 4.7% in tier
- - Loan-to-Member Ratio (LMR): Bottom 6.7% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 9 that size in Delaware.
- Shares and deposits -3.9% year over year ($3.1M in shares and deposits).
- Membership: 370 members, -8.6% vs a year ago.
- Delinquency rate 0.82%.
- Return on assets 1.11%.
- Efficiency ratio 46.26% vs a 88.77% peer average.
- Loan-to-share ratio 14.18% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (DE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
370
-8.6% YoY-2.6% QoQ
|
-2.2K |
2,585
-1.7% YoY
|
17,843
+5.5% YoY
|
34,678
+6.6% YoY
|
Bottom 10.2% in tier |
| Assets |
$4.1M
-2.5% YoY-2.0% QoQ
|
$-26.1M |
$30.3M
+1.5% YoY
|
$212.9M
+9.3% YoY
|
$593.1M
+10.2% YoY
|
16% |
| Loans |
$433,986
-23.6% YoY-3.4% QoQ
|
$-15.0M |
$15.5M
-1.7% YoY
|
$132.7M
+10.6% YoY
|
$418.6M
+10.1% YoY
|
Bottom 6.8% in tier |
| Deposits |
$3.1M
-3.9% YoY-3.0% QoQ
|
$-22.7M |
$25.8M
+1.1% YoY
|
$188.9M
+9.2% YoY
|
$504.8M
+10.3% YoY
|
16% |
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| ROA |
1.1%
+33.3% YoY-18.4% QoQ
|
-0.4% |
1.5%
+241.5% YoY
|
1.1%
-28.8% YoY
|
1.2%
+121.4% YoY
|
65% |
| NIM |
2.1%
+14.6% YoY-4.2% QoQ
|
-1.8% |
3.9%
+0.9% YoY
|
3.5%
+5.6% YoY
|
3.8%
+2.3% YoY
|
Bottom 3.8% in tier |
| Efficiency Ratio |
46.3%
-14.0% YoY+25.3% QoQ
|
-42.5% |
88.8%
-6.9% YoY
|
79.3%
-0.3% YoY
|
83.0%
-5.3% YoY
|
Top 3.1% in tier |
| Delinquency Rate |
0.8%
-76.4% YoY
|
-0.7 |
1.5%
+2.1% YoY
|
2.3%
-27.7% YoY
|
1.3%
+2.6% YoY
|
55% |
| Loan To Share |
14.2%
-20.5% YoY-0.4% QoQ
|
-44.7% |
58.9%
-3.1% YoY
|
47.6%
-0.9% YoY
|
66.4%
-1.4% YoY
|
Bottom 2.9% in tier |
| AMR |
$9,443
+1.9% YoY-0.4% QoQ
|
$-6K |
$14,963
-6.8% YoY
|
$14,118
+1.5% YoY
|
$20,028
-0.9% YoY
|
25% |
| CD Concentration | 0.0% | -24.6% | 24.6% | 13.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 7.1% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)