PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Dover

Dover, DE · Charter 12443

NCUA · 9 branches

Q2 2026

$731.9MAssets
$545.2MLoans
$672.5MShares
$55.8MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.34%, up 14 bps year over year; NIM at 3.78%.
  • Asset quality: problem loans at 0.91% of loans (-95 bps YoY).
  • Capital: net worth / assets of 7.63%, down 9 bps from a year ago.
  • Funding: loans stand at 81.06% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.34%+14 bps YoY

Net Interest Margin (YTD, annualized)

3.78%-7 bps YoY

Efficiency Ratio (YTD, annualized)

82.92%-43 bps YoY

Net Worth / Assets

7.63%-9 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.20%0.40%0.21%0.29%0.34%+14 bps
Return on Equity2.58%5.08%2.73%3.81%4.42%+184 bps
Net Interest Margin3.85%3.91%3.90%3.70%3.78%-7 bps
Efficiency Ratio83.35%80.47%80.36%81.84%82.92%-43 bps
Growth
Asset Growth (YoY)0.42%2.27%4.93%4.72%3.79%+337 bps
Loan Growth (YoY)-0.08%0.85%2.85%1.22%1.28%+136 bps
Share Growth (YoY)2.52%4.38%4.79%4.77%3.70%+118 bps
Asset Quality
Delinquent Loans / Loans1.86%2.20%1.71%0.84%0.91%-95 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital7.72%7.87%7.68%7.50%7.63%-9 bps
Net Worth / Assets7.72%7.87%7.68%7.50%7.63%-9 bps
Liquidity & Funding
Loans / Shares83.00%83.83%84.46%80.44%81.06%-194 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps