Delaware River & Bay Auth Emp
New Castle, DE · Charter 16769 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
$4.1MAssets
$434KLoans
$3.1MShares
$1.1MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 97% of credit unions under $1B in assets (rank 47 of 1682).
- Widest gap: net interest margin trails 98% of credit unions under $1B in assets (rank 1649 of 1683).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
1.11%
Rank 486 of 1,683
Net Interest Margin
2.08%
Rank 1,649 of 1,683
Efficiency Ratio
46.51%
Rank 47 of 1,682
Equity / Assets
25.82%
Rank 88 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.11% | 0.35% | 0.74% | 1.18% | Beats 71% | 486 / 1,683 | |
| Return on Equity | 4.31% | 2.67% | 5.89% | 8.74% | Beats 38% | 1,050 / 1,681 | |
| Net Interest Margin | 2.08% | 3.31% | 3.82% | 4.32% | Beats 2% | 1,649 / 1,683 | |
| Efficiency Ratio | 46.51% | 68.91% | 78.20% | 86.93% | Beats 97% | 47 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.92% | 0.26% | 0.65% | 1.29% | Beats 37% | 1,068 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 25.82% | 10.44% | 12.89% | 16.53% | Beats 95% | 88 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 25.82% | 10.44% | 12.89% | 16.53% | Beats 95% | 88 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 14.18% | 52.61% | 69.38% | 83.50% | 1st pctl | 1,668 / 1,683 | |
| Loans / Assets | 10.50% | 44.71% | 59.18% | 70.72% | 1st pctl | 1,669 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |