PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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