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Delaware Alliance

New Castle, DE · Charter 15790

NCUA · 1 branch

Q1 2025

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area3

Basis

Quarter: Q1 2025, the quarter ended March 31, 2025, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Credit unions under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (n=57 to 58). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

43

Q2 2024Q1 2025peer median (50)

Asset Quality

68

Q2 2024Q1 2025peer median (50)

Profitability

12

Q2 2024Q1 2025peer median (50)

Liquidity

25

Q2 2024Q1 2025peer median

Efficiency

4

Q2 2024Q1 2025peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Delaware Alliance

New Castle, DE · Charter 15790

NCUA · 1 branch

Q1 2025

$24.4MAssets
$4.4MLoans
$21.2MShares
$2.8MNet 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 -13.29%, down 1,362 bps year over year; NIM at 2.78%.
  • Asset quality: problem loans at 0.30% of loans (+12 bps YoY).
  • Capital: net worth / assets of 11.36%, down 259 bps from a year ago.
  • Funding: loans stand at 20.92% of shares as of Q1 2025.

Financial Results

Return on Assets (YTD, annualized)

-13.29%-1,362 bps YoY

Net Interest Margin (YTD, annualized)

2.78%+15 bps YoY

Efficiency Ratio (YTD, annualized)

474%+38,255 bps YoY

Net Worth / Assets

11.36%-259 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2024Q2 2024Q3 2024Q4 2024Q1 2025YoY ΔTrend
Earnings
Return on Assets0.33%0.42%0.46%0.41%-13.29%-1,362 bps
Return on Equity2.36%3.03%3.20%2.83%-117.02%-11,938 bps
Net Interest Margin2.63%2.62%2.77%2.82%2.78%+15 bps
Efficiency Ratio91.09%88.56%88.06%89.48%474%+38,255 bps
Growth
Asset Growth (YoY)-8.67%-1.55%-1.67%0.86%-2.54%+613 bps
Loan Growth (YoY)5.95%6.59%1.68%-2.61%-17.25%-2,320 bps
Share Growth (YoY)-10.71%-2.44%-2.07%1.28%-0.48%+1,023 bps
Asset Quality
Delinquent Loans / Loans0.17%0.48%0.30%0.25%0.30%+12 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 Capital13.95%13.85%14.28%14.44%11.36%-259 bps
Net Worth / Assets13.95%13.85%14.28%14.44%11.36%-259 bps
Liquidity & Funding
Loans / Shares25.16%24.78%24.31%23.98%20.92%-424 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Delaware Alliance

New Castle, DE · Charter 15790 · Peer group: credit unions under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (n=57-58)

NCUA · 1 branch

Q1 2025

$24.4MAssets
$4.4MLoans
$21.2MShares
$2.8MNet Worth

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 68% of credit unions under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (rank 19 of 57).
  • Widest gap: return on equity trails 100% of credit unions under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (rank 58 of 58).
  • Overall: at or above the peer median on 1 of 7 directional measures.

Return on Assets

-13.29%

Rank 58 of 58

Net Interest Margin

2.78%

Rank 37 of 58

Efficiency Ratio

472%

Rank 56 of 57

Equity / Assets

11.36%

Rank 33 of 58

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-13.29%-0.05%0.53%1.16%Beats 0%58 / 58
Return on Equity-117.00%-0.21%4.23%8.35%Beats 0%58 / 58
Net Interest Margin2.78%2.54%3.16%3.94%Beats 36%37 / 58
Efficiency Ratio472%75.00%84.33%99.88%Beats 4%56 / 57
Asset Quality
Nonperforming Loans / Loans0.29%0.12%0.66%1.43%Beats 68%19 / 57
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio11.36%9.61%11.90%17.00%Beats 43%33 / 58
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets11.36%9.61%11.90%16.99%Beats 43%33 / 58
Liquidity & Funding
Loans / Deposits20.92%28.73%50.79%65.06%14th pctl50 / 58
Loans / Assets18.18%25.63%43.30%55.84%16th pctl49 / 58
Brokered Deposits / Depositsn/aNot reported for this institution