BlastPoint's Credit Union Scorecard
DOVER-PHILA
Charter #8822 · OH
DOVER-PHILA has 5 strengths but faces 6 concerns
How does the industry compare?
What's your peer group doing?
How does OH stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 43.8% in tier
- + Organic Growth Leader: Top 43.8% in tier
- + Relationship Depth Leader: Top 52.8% in tier
- + ROA 0.69% above tier average
- + Efficiency Ratio: Top 5.4% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 34.7% in tier
- - Delinquency rate 0.12% above tier average
- - Total Loans: Bottom 1.8% in tier
- - Loan-to-Share Ratio: Bottom 2.7% in tier
- - Net Interest Margin (NIM): Bottom 5.4% in tier
- - Loan Growth Rate: Bottom 8.1% 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 111 credit unions with $750M-$1B in assets nationally, and 1 of 5 that size in Ohio.
- Shares and deposits +7.2% year over year ($719M in shares and deposits).
- Membership: 34,310 members, +0.6% vs a year ago.
- Delinquency rate 0.91%.
- Return on assets 1.53%.
- Efficiency ratio 52.70% vs a 74.54% peer average.
- Loan-to-share ratio 39.82% vs a 82.60% 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 (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
34,310
+0.6% YoY+0.3% QoQ
|
-18.2K |
52,482
+1.3% YoY
|
18,978
+16.2% YoY
|
34,678
+6.6% YoY
|
Bottom 12.6% in tier |
| Assets |
$812.6M
+7.6% YoY+1.5% QoQ
|
$-51.3M |
$863.9M
+0.5% YoY
|
$292.1M
+20.6% YoY
|
$593.1M
+10.2% YoY
|
32% |
| Loans |
$286.1M
-3.5% YoY+0.6% QoQ
|
$-321.6M |
$607.8M
+2.1% YoY
|
$203.0M
+21.8% YoY
|
$418.6M
+10.1% YoY
|
Bottom 0.9% in tier |
| Deposits |
$718.6M
+7.2% YoY+1.6% QoQ
|
$-21.3M |
$739.9M
+0.2% YoY
|
$251.0M
+21.0% YoY
|
$504.8M
+10.3% YoY
|
40% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.5%
+38.9% YoY-7.1% QoQ
|
+0.7% |
0.8%
+30.4% YoY
|
0.9%
+55.0% YoY
|
1.2%
+121.4% YoY
|
Top 9.0% in tier |
| NIM |
2.5%
+10.1% YoY+1.1% QoQ
|
-1.0% |
3.5%
+6.2% YoY
|
3.7%
+2.2% YoY
|
3.8%
+2.3% YoY
|
Bottom 4.5% in tier |
| Efficiency Ratio |
52.7%
-9.4% YoY+4.9% QoQ
|
-21.8% |
74.5%
-1.4% YoY
|
79.2%
-2.1% YoY
|
83.0%
-5.3% YoY
|
Top 5.4% in tier |
| Delinquency Rate |
0.9%
+16.2% YoY+36.6% QoQ
|
+0.1 |
0.8%
+1.0% YoY
|
1.1%
-6.2% YoY
|
1.3%
+2.6% YoY
|
70% |
| Loan To Share |
39.8%
-10.0% YoY-1.0% QoQ
|
-42.8% |
82.6%
+1.9% YoY
|
60.7%
-4.2% YoY
|
66.4%
-1.4% YoY
|
Bottom 1.8% in tier |
| AMR |
$29,286
+3.3% YoY+1.0% QoQ
|
+$584 |
$28,702
+0.4% YoY
|
$18,171
+7.2% YoY
|
$20,028
-0.9% YoY
|
63% |
| CD Concentration |
26.3%
+9.5% YoY+2.8% QoQ
|
+1.8% | 24.6% | 19.2% | 20.0% | 58% |
| Indirect Auto % |
0.1%
-95.2% YoY-91.9% QoQ
|
-13.5% | 13.6% | 11.9% | 7.7% | 32% |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Concerns (1)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)