PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Delaware River & Bay Auth Emp

New Castle, DE · Charter 16769

NCUA · 3 branches

Q2 2026

$4.1MAssets
$434KLoans
$3.1MShares
$1.1MNet 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 1.12%, up 29 bps year over year; NIM at 2.08%.
  • Asset quality: problem loans at 0.82% of loans (-266 bps YoY).
  • Capital: net worth / assets of 25.81%, up 105 bps from a year ago.
  • Funding: loans stand at 14.18% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.12%+29 bps YoY

Net Interest Margin (quarter, annualized)

2.08%+28 bps YoY

Efficiency Ratio (quarter, annualized)

46.26%-753 bps YoY

Net Worth / Assets

25.81%+105 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.83%0.04%0.28%1.36%1.12%+29 bps
Return on Equity3.37%0.14%1.12%5.41%4.33%+97 bps
Net Interest Margin1.80%1.88%1.83%2.15%2.08%+28 bps
Efficiency Ratio53.78%46.33%44.50%36.91%46.26%-753 bps
Growth
Asset Growth (YoY)-8.70%-7.00%-3.49%-1.06%-2.51%+618 bps
Loan Growth (YoY)4.49%-5.09%-6.01%-18.02%-23.56%-2,805 bps
Share Growth (YoY)-10.98%-8.06%-4.93%-1.88%-3.88%+710 bps
Asset Quality
Delinquent Loans / Loans3.49%0.00%0.00%0.00%0.82%-266 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans4.86%7.32%7.99%8.76%9.21%+435 bps
Capital
Risk-Based Capital24.76%24.37%24.79%25.08%25.81%+105 bps
Net Worth / Assets24.76%24.37%24.79%25.08%25.81%+105 bps
Liquidity & Funding
Loans / Shares17.83%16.67%15.59%14.24%14.18%-365 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps