PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Delaware State Police

Georgetown, DE · Charter 13791

NCUA · 3 branches

Q2 2026

$138.1MAssets
$54.3MLoans
$125.6MShares
$15.6MNet 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 0.78%, up 29 bps year over year; NIM at 3.02%.
  • Asset quality: problem loans at 1.28% of loans (-15 bps YoY).
  • Capital: net worth / assets of 11.32%, up 86 bps from a year ago.
  • Funding: loans stand at 43.26% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.78%+29 bps YoY

Net Interest Margin (YTD, annualized)

3.02%+30 bps YoY

Efficiency Ratio (YTD, annualized)

78.61%-609 bps YoY

Net Worth / Assets

11.32%+86 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.49%0.65%0.70%0.55%0.78%+29 bps
Return on Equity4.72%6.11%6.67%5.02%6.89%+217 bps
Net Interest Margin2.72%2.73%2.69%2.90%3.02%+30 bps
Efficiency Ratio84.70%80.54%78.77%83.69%78.61%-609 bps
Growth
Asset Growth (YoY)0.35%7.42%9.47%2.67%0.10%-26 bps
Loan Growth (YoY)-0.12%-1.23%-2.36%-3.90%-4.44%-432 bps
Share Growth (YoY)2.83%6.69%7.69%1.05%-1.51%-434 bps
Asset Quality
Delinquent Loans / Loans1.44%1.35%1.59%1.11%1.28%-15 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 Capital10.46%10.56%10.48%10.98%11.32%+86 bps
Net Worth / Assets10.46%10.56%10.48%10.98%11.32%+86 bps
Liquidity & Funding
Loans / Shares44.59%43.61%41.93%42.74%43.26%-132 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps