DOVER-PHILA
Charter #8822 | OH
750M-1B
(112 CUs)
Community
($500M-$1B)
(281 CUs)
5 750M-1B in OH
DOVER-PHILA has 5 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 7.6% in tier
- + Wallet Share Momentum: Top 9.3% in tier
- + Organic Growth Engine: Top 26.7% in tier
- + Organic Growth Leader: Top 32.2% in tier
- + ROA 0.19% above tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 11.2% in tier
- - Total Loans: Bottom 1.8% in tier
- - Loan-to-Share Ratio: Bottom 3.6% in tier
- - Total Assets: Bottom 5.4% in tier
- - Net Interest Margin (NIM): Bottom 6.2% in tier
- - Fee Income Per Member: Bottom 8.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
34,131
+0.6% YoY+0.1% QoQ
|
-18.0K |
52,114
-2.1% YoY
|
16,553
+5.8% YoY
|
33,089
+6.1% YoY
|
Bottom 14.3% in tier |
| Assets |
$762.8M
+10.7% YoY+1.0% QoQ
|
$-96.2M |
$859.0M
+0.0% YoY
|
$245.2M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
Bottom 4.5% in tier |
| Loans |
$291.1M
+3.1% YoY-1.8% QoQ
|
$-312.3M |
$603.4M
+1.0% YoY
|
$170.6M
+8.7% YoY
|
$388.7M
+8.6% YoY
|
Bottom 0.9% in tier |
| Deposits |
$674.3M
+10.0% YoY+0.6% QoQ
|
$-59.9M |
$734.2M
+0.9% YoY
|
$209.1M
+9.7% YoY
|
$464.6M
+9.3% YoY
|
Bottom 17.9% in tier |
| ROA |
0.9%
+19.8% YoY-18.2% QoQ
|
+0.2% |
0.7%
+27.6% YoY
|
0.5%
-7.3% YoY
|
0.7%
+273.4% YoY
|
67th in tier |
| NIM |
2.3%
+20.1% YoY+2.5% QoQ
|
-1.0% |
3.4%
+9.6% YoY
|
3.7%
+3.3% YoY
|
3.7%
+5.0% YoY
|
Bottom 5.4% in tier |
| Efficiency Ratio |
62.7%
-7.0% YoY+7.8% QoQ
|
-11.8% |
74.5%
-3.2% YoY
|
83.9%
+3.6% YoY
|
79.1%
-3.3% YoY
|
Bottom 17.0% in tier |
| Delinquency Rate |
0.8%
-3.4% YoY-4.3% QoQ
|
-0.1 |
0.8%
+5.0% YoY
|
1.5%
+29.9% YoY
|
1.2%
-0.9% YoY
|
60th in tier |
| Loan To Share |
43.2%
-6.3% YoY-2.4% QoQ
|
-39.5% |
82.7%
+0.1% YoY
|
63.8%
-2.4% YoY
|
68.0%
-1.7% YoY
|
Bottom 2.7% in tier |
| AMR |
$28,284
+7.3% YoY-0.2% QoQ
|
$-367 |
$28,651
+2.5% YoY
|
$17,099
+5.9% YoY
|
$19,418
+1.3% YoY
|
59th in tier |
| CD Concentration |
25.7%
+8.5% YoY+6.8% QoQ
|
+1.2% |
24.4%
+4.2% YoY
|
19.2%
+8.0% YoY
|
19.6%
+6.2% YoY
|
55th in tier |
| Indirect Auto % |
1.8%
-53.3% YoY-15.8% QoQ
|
-12.2% |
14.0%
-5.8% YoY
|
11.2%
-0.8% YoY
|
7.9%
-2.9% YoY
|
38th in tier |
Signature Analysis
Strengths (4)
Relationship Depth Leader
growth
#210 of 1006 • Top 7.6% in tier
Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.
Why This Signature
AMR Growth (YoY):
7.28%
(Tier:
3.68%, National:
4.19%)
Share Draft per Member:
$2.9K
(Tier: $2.8K, National: $2.0K)
1006 of 281 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
|
Rank improving
Wallet Share Momentum
growth
#258 of 1006 • Top 9.3% in tier
Average member relationship growing year-over-year. Members are deepening their engagement.
Why This Signature
AMR Growth (YoY):
7.28%
(Tier:
3.68%, National:
4.19%)
1006 of 281 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
|
Rank improving
Organic Growth Engine
growth
#489 of 603 • Top 26.7% in tier
Growing membership while maintaining profitability. Healthy fundamentals in place.
Why This Signature
Member Growth (YoY):
0.55%
(Tier:
0.88%, National:
9.37%)
Return on Assets:
0.90%
(Tier:
0.77%, National:
0.71%)
Indirect Auto %:
1.76%
(Tier:
13.96%, National:
7.90%)
603 of 281 Community CUs have this signature
| 917 nationally
→ Stable (608→603 CUs)
-5 CUs YoY
|
New qualifier
Organic Growth Leader
growth
#425 of 430 • Top 32.2% in tier
Attracting members without relying on indirect channels. Healthy, sustainable growth model.
Why This Signature
Member Growth (YoY):
0.55%
(Tier:
0.88%, National:
9.37%)
430 of 281 Community CUs have this signature
| 608 nationally
↓ Shrinking
-21 CUs YoY
|
New qualifier
Concerns (1)
Liquidity Overhang
risk
#174 of 552 • Bottom 11.2% in tier
Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.
Why This Signature
Net Worth Ratio:
13.05%
(Tier:
11.95%, National:
14.51%)
Loan-to-Share Ratio:
43.17%
(Tier:
74.56%, National:
67.96%)
552 of 281 Community CUs have this signature
| 691 nationally
↑ Growing
+65 CUs YoY
|
Rank worsening
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 (5 metrics)
14
Deposit Growth Rate
growth
Value:
10.05%
Peer Avg: 5.03%
#14 of 112
Top 11.6% in 750M-1B tier
15
Asset Growth Rate
growth
Value:
10.70%
Peer Avg: 4.25%
#15 of 112
Top 12.5% in 750M-1B tier
20
Efficiency Ratio
profitability
Value:
62.71%
Peer Avg: 74.52%
#20 of 112
Top 17.0% in 750M-1B tier
26
AMR Growth Rate
growth
Value:
7.28%
Peer Avg: 4.90%
#26 of 112
Top 22.3% in 750M-1B tier
26
Net Worth Ratio
risk
Value:
13.05%
Peer Avg: 11.52%
#26 of 112
Top 22.3% in 750M-1B tier
Top Weaknesses (9 metrics)
111
Total Loans
balance_sheet
Value:
$291.09M
Peer Avg: $603.36M
#111 of 112
Bottom 1.8% in 750M-1B tier
109
Loan-to-Share Ratio
balance_sheet
Value:
43.17%
Peer Avg: 82.66%
#109 of 112
Bottom 3.6% in 750M-1B tier
107
Total Assets
balance_sheet
Value:
$762.80M
Peer Avg: $859.01M
#107 of 112
Bottom 5.4% in 750M-1B tier
106
Net Interest Margin (NIM)
profitability
Value:
2.34%
Peer Avg: 3.38%
#106 of 112
Bottom 6.2% in 750M-1B tier
104
Fee Income Per Member
profitability
Value:
$108.33
Peer Avg: $204.75
#104 of 112
Bottom 8.0% in 750M-1B tier
98
Loan-to-Member Ratio (LMR)
engagement
Value:
$8,529
Peer Avg: $12,810
#98 of 112
Bottom 13.4% in 750M-1B tier
96
Total Members
engagement
Value:
34,131
Peer Avg: 52,114
#96 of 112
Bottom 15.2% in 750M-1B tier
94
First Mortgage Concentration (%)
balance_sheet
Value:
47.89%
Peer Avg: 33.64%
#94 of 112
Bottom 17.0% in 750M-1B tier
92
Total Deposits
balance_sheet
Value:
$674.27M
Peer Avg: $734.17M
#92 of 112
Bottom 18.8% in 750M-1B tier