Federal credit union · Dover, Delaware · NCUA charter #13919

DEL-ONE

Health score 95/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.

95
Health / 100
$968.0M
Total assets
91,716
Members
10.7%
Net-worth ratio
A Letter grade on the five-factor composite

DEL-ONE scores 95/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $968.0M; members 91,716; net-worth ratio 10.69%; health rank #403 of 4,374; healthier than 90th of scored peers.

NCUA 5300 Call Report masthead

NCUA 5300 Call Report Masthead

#403 of 4,374 health · 2025Q4

DEL-ONE · health 95/100 · $968.0M · 2025Q4

  • CHARTER 95/100
  • NCUSIF 10.7%
  • CAMELS 0.59%
  • HEALTH 0.22%
  • NW $968.0M
  • DELQ 91,716
  • ROA #403/4,374
  • ASSETS Point Breeze
  • MEM 13919

Call Report peers

DEL-ONE in the assets neighbourhood

Belco Community Credit Union$971.5MWater and Power Community$971.4MPoint Breeze$968.3MDEL-ONE (this)$968.0MENRICHMENT$963.1MALTAONE$962.0M
Nearest other-state credit unions by total assets (NCUA 5300)

DEL-ONE's $968.0M assets sit next to Point Breeze ($968.3M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.

Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.

DEL-ONE vs every NCUA-scored credit union

Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing

95 Top 10% higher than 90% of 4,374 credit unions

every scored credit union, bucketed by value

Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.

Source NCUA 5300 Call Report aggregates · 2025Q4

DEL-ONE - Share Insurance Coverage

Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #13919. See our deposit-insurance coverage note.

NCUSIF coverage gauge for DEL-ONE Share insurance under NCUSIF covers up to $250,000 per share owner. DEL-ONE holds approximately $836.0M in member shares. Composite CAMELS rating bracket 1 (Strong). Risk-based capital ratio 10.7 percent. Share Insurance Coverage Federal NCUSIF - $250K per share owner 1 2 3 4 5 CAMELS 1 · Strong RBC ratio 10.7% · $836.0M member shares Insured · backed by full faith and credit of the United States
Source: NCUA 5300 Call Report 2025Q4 - share insurance under Title II of the Federal Credit Union Act

DEL-ONE vs Over $500M peers

  • Delinquency Rate leads the peer set - 0.59% here, 0.87% peer average (-0.29 pp).
  • Largest lag: Loan-to-Share Ratio at 81.90% vs peer 83.90% (-2.00 pp).

Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.

Delaware standing for DEL-ONE

  • Health composite ranks #1 of 15 among scored Delaware credit unions.
  • Assets rank #1 of 15 inside Delaware ($968.0M reported).
  • Membership ranks #1 of 15 among Delaware CUs with a reported count (91,716 members).

In-state ordinals use the live credit_unions table for DE only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.

Quarter path for DEL-ONE

DEL-ONE: total assets by quarter

4 Call Report filings on this page's own vintage chain

600,000,000700,000,000800,000,000900,000,0001,000,000,0001,100,000,000 2023Q42024Q42025Q42026Q1 670,633,231 984,357,529 ▲ +46.8%
  • Assets moved +1.7% from $968.0M (2025Q4) to $984.4M (2026Q1).
  • Net-worth ratio shifted +0.04 pp (10.65% → 10.69%).

Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.

Net worth ratio vs. NCUA well-capitalized threshold 71.3%

At 10.69%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.

How the 95/100 score is built

Each segment is a pillar's weighted contribution to the composite; widths sum to 95.

  • Net Worth Ratio 30.0 pts
  • Delinquency Rate 24.1 pts
  • Return on Assets 10.8 pts
  • Member Growth 15.0 pts
  • Loan-to-Share Ratio 15.1 pts

DEL-ONE health metrics

Metric Value vs peer
Net Worth Ratio 10.69% -0.49 pp
Delinquency Rate 0.59% -0.29 pp
Return on Assets 0.22% -0.29 pp
Member Growth 7.10% -
Loan-to-Share Ratio 81.90% -2.00 pp

Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).

Call Report history - DEL-ONE

Quarter Assets Members
2026Q1 $984.4M -
2025Q4 $968.0M 91,716
2024Q4 $709.9M 85,635
2023Q4 $670.6M 81,680

Credit Union Details

Charter Number
13919
Type
Federal
Field of Membership
Multiple Common Bond
Peer Group
Over $500M
State
Delaware
City
Dover
Data Quarter
2025Q4

Branch Locations (19)

The NCUA branch filing lists 19 physical offices for DEL-ONE, spread across 13 cities.

Office City
West Dover (Main Office) Dover, DE
Fox Run Bear, DE
Caesar Rodney High School Camden, DE
Dagsboro Dagsboro, DE
Indian River High School Dagsboro, DE
Downtown Dover Dover, DE
Dover High School Dover, DE
Georgetown Georgetown, DE
Lewes Lewes, DE
Middletown Middletown, DE
Milford Milford, DE
New Castle New Castle, DE
Glasgow Newark, DE
Main Street Newark, DE
Omega Newark, DE
Seaford Seaford, DE
Smyrna Smyrna, DE
Wilmington Wilmington, DE
Chestnut Run Wilmington, DE

Source: NCUA Credit Union Branch Information, 2025Q4 filing.

Nearby Credit Unions in Delaware

Other federally-insured credit unions in Delaware, closest first by peer group and asset size.

Compare DEL-ONE vs DOVER

Cross-state Call Report peers for DEL-ONE

Two NCUA Call Report peer sets for DEL-ONE, both outside Delaware so the neighborhoods are not state containment (the Nearby list above stays in-state).

Similar health score

Nearest other-state credit unions by five-factor health composite (95/100 here).

CORRECTIONS 95 · CA A.B. 95 · PA Trona Valley Community 95 · WY PANHANDLE 95 · KS

Using this data

  • DEL-ONE ranks #403 of 4,374 nationally on financial health and #1 of 15 in DE -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
  • DOVER is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with DOVER
  • Rates and health both vary by institution, not just by state -- see how Delaware credit unions compare overall before assuming this one is typical. Delaware state overview

National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.

Frequently Asked Questions

Is DEL-ONE financially healthy?

Yes/no aside, the number is 95/100 (Excellent) - DEL-ONE's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #403 of 4,374; by total assets it ranks #479 of 4,374 nationally (same basis as /rankings/largest); and #1 of 15 within Delaware. Above 80 reads excellent, below 50 warrants closer monitoring; a 10.69% net worth ratio and 0.59% delinquency rate are the key drivers.

How does DEL-ONE compare to other credit unions?

PlainCU's health composite puts DEL-ONE at 95/100, compared to a peer group average for Over $500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).

What is a credit union health score?

A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.

How can I join DEL-ONE?

DEL-ONE serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact DEL-ONE directly for the current list of qualifying groups.

Is my money safe at DEL-ONE?

Federal credit unions like DEL-ONE are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. DEL-ONE's net worth ratio of 10.69% exceeds the 7% threshold NCUA considers "well capitalized."

What rates does DEL-ONE offer compared to banks?

Credit unions like DEL-ONE are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact DEL-ONE directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.

Data sources

Related

How health scores work →

Data sourced from the NCUA 5300 Call Report (2025Q4) for DEL-ONE. Retrieved and formatted by PlainCU. See our methodology for details.

Disclaimer: Not affiliated with NCUA. For informational purposes only.

Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.