NEW CASTLE COUNTY DELAWARE EM
Charter #17687 | DE
<100M
(2596 CUs)
Micro
($0-$500M)
9 <100M in DE
NEW CASTLE COUNTY DELAWARE EM has 5 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.72% above tier average
- + 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
- + Members Per Employee (MPE): Top 3.0% in tier
Key Concerns
Areas that may need attention
- - Loan-to-Share Ratio: Bottom 6.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (DE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,372
-0.7% YoY-0.5% QoQ
|
-253 |
2,625
-2.2% YoY
|
17,253
+10.0% YoY
|
33,089
+6.1% YoY
|
58th in tier |
| Assets |
$31.9M
+3.2% YoY-1.9% QoQ
|
+$2.1M |
$29.9M
+1.1% YoY
|
$195.2M
+8.0% YoY
|
$547.7M
+7.8% YoY
|
62nd in tier |
| Loans |
$7.0M
-0.3% YoY+0.1% QoQ
|
$-8.8M |
$15.8M
-2.4% YoY
|
$121.5M
+9.1% YoY
|
$388.7M
+8.6% YoY
|
42nd in tier |
| Deposits |
$28.2M
+2.5% YoY-1.9% QoQ
|
+$2.7M |
$25.5M
+0.4% YoY
|
$172.1M
+8.7% YoY
|
$464.6M
+9.3% YoY
|
63rd in tier |
| ROA |
1.4%
+35.3% YoY+5.7% QoQ
|
+0.7% |
0.7%
-731.4% YoY
|
2.8%
+77.8% YoY
|
0.7%
+273.4% YoY
|
Top 22.6% in tier |
| NIM |
3.3%
+8.3% YoY+2.5% QoQ
|
-0.7% |
3.9%
+3.8% YoY
|
3.3%
+6.1% YoY
|
3.7%
+5.0% YoY
|
26th in tier |
| Efficiency Ratio |
57.4%
-11.6% YoY+0.8% QoQ
|
-24.0% |
81.4%
-2.4% YoY
|
77.7%
-4.8% YoY
|
79.1%
-3.3% YoY
|
Bottom 11.3% in tier |
| Delinquency Rate |
0.0%
-100.0% YoY
|
-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 |
24.7%
-2.7% YoY+2.0% QoQ
|
-36.5% |
61.2%
-3.0% YoY
|
48.0%
+0.7% YoY
|
68.0%
-1.7% YoY
|
Bottom 6.5% in tier |
| AMR |
$14,811
+2.7% YoY-1.0% QoQ
|
+$184 |
$14,627
-2.7% YoY
|
$13,877
+1.3% YoY
|
$19,418
+1.3% YoY
|
56th in tier |
| CD Concentration |
2.8%
-50.9% YoY-53.2% QoQ
|
-21.6% |
24.4%
+4.2% YoY
|
12.6%
+3.7% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
7.8%
-5.9% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
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: 1.51%
#1 of 2596
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
80
Members Per Employee (MPE)
engagement
Value:
790.667
Peer Avg: 365.701
#80 of 2596
Top 3.0% in <100M tier
295
Efficiency Ratio
profitability
Value:
57.42%
Peer Avg: 81.39%
#295 of 2596
Top 11.3% in <100M tier
587
Return on Assets (ROA)
profitability
Value:
1.41%
Peer Avg: 0.68%
#587 of 2596
Top 22.6% in <100M tier
Top Weaknesses (3 metrics)
2422
Loan-to-Share Ratio
balance_sheet
Value:
24.71%
Peer Avg: 61.23%
#2422 of 2596
Bottom 6.7% in <100M tier
2003
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,935
Peer Avg: $5,488
#2003 of 2596
Bottom 22.9% in <100M tier
2000
Fee Income Per Member
profitability
Value:
$15.01
Peer Avg: $182.96
#2000 of 2596
Bottom 23.0% in <100M tier