Federal credit union · NEW CASTLE, Delaware · NCUA charter #16769
Delaware River & Bay Auth Emp
Health score 66/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 66
- Health / 100
- $4.2M
- Total assets
- 387
- Members
- 25.1%
- Net-worth ratio
Delaware River & Bay Auth Emp scores 66/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $4.2M; members 387; net-worth ratio 25.08%; health rank #3,801 of 4,374; healthier than 12th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#3,801 of 4,374 health · 2025Q4Delaware River & Bay Auth E… · health 66/100 · $4.2M · 2025Q4
- CHARTER 66/100
- NCUSIF 25.1%
- CAMELS 0.00%
- HEALTH -0.15%
- NW $4.2M
- DELQ 387
- ROA #3,801/4,374
- ASSETS n/a
- MEM 16769
Call Report peers
Delaware River & Bay Auth Emp carries $4.2M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Delaware River & Bay Auth Emp 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
66 12th percentile higher than 12% 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
Delaware River & Bay Auth Emp - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #16769 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Peer-gap read for Delaware River & Bay Auth Emp
- Strongest edge vs 566 $2M–$10M peers is Net Worth Ratio: +6.02 pp (25.08% vs 19.06%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -48.01 pp (15.59% vs 63.60%).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Delaware River & Bay Auth Emp sits in Delaware
- In Delaware, health place is #12 of 15 on the same NCUA-ratio sort used nationally.
- Delaware assets place: #15 of 15.
- Member book place in Delaware: #15 of 15.
In-state ordinals use the live credit_unions table for DE only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Delaware River & Bay Auth Emp: 2025Q4 → 2026Q1
Delaware River & Bay Auth Emp: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.2% from $4.2M (2025Q4) to $4.2M (2026Q1).
- Net-worth ratio shifted +0.29 pp (24.79% → 25.08%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 25.08%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 66/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 66.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 3.2 pts
- Member Growth 0.2 pts
- Loan-to-Share Ratio 7.6 pts
Delaware River & Bay Auth E… health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 25.08% | +6.02 pp |
| Delinquency Rate | 0.00% | -1.81 pp |
| Return on Assets | -0.15% | -0.60 pp |
| Member Growth | -4.91% | - |
| Loan-to-Share Ratio | 15.59% | -48.01 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $4.2M | - |
| 2025Q4 | $4.2M | 387 |
| 2024Q4 | $4.4M | 407 |
| 2023Q4 | $4.8M | 474 |
Credit Union Details
- Charter Number
- 16769
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Delaware
- City
- NEW CASTLE
- Data Quarter
- 2025Q4
Branch Locations (3)
Per its most recent NCUA branch filing, Delaware River & Bay Auth Emp runs 3 offices in 3 different cities across 2 states.
| Office | City |
|---|---|
| New Castle (Main Office) | New Castle, DE |
| Lewes Terminal | Lewes, DE |
| Cape May Terminal | North Cape May, NJ |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Delaware
More federally-insured credit unions based in Delaware, ordered by peer group match and asset size.
- STEPPING STONES COMMUNITYWilmington, DE · $2M–$10M69Health
- PROVIDENTDOVER, DE · $10M–$50M76Health
- WILMINGTON POLICE & FIREWilmington, DE · $10M–$50M54Health
- PRIORITY PLUSWILMINGTON, DE · $10M–$50M81Health
- NEW CASTLE COUNTY DELAWARE EMNEW CASTLE, DE · $10M–$50M86Health
Compare Delaware River & Bay Auth Emp vs STEPPING STONES COMMUNITY
Other-state peers near Delaware River & Bay Auth Emp
Two NCUA Call Report peer sets for Delaware River & Bay Auth Emp, 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 (66/100 here).
Using this data
- Delaware River & Bay Auth Emp ranks #3,801 of 4,374 nationally on financial health and #12 of 15 in DE -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Stepping Stones Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Stepping Stones Community
- 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 Delaware River & Bay Auth Emp financially healthy?
Yes/no aside, the number is 66/100 (Good) - Delaware River & Bay Auth Emp'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 #3,801 of 4,374; by total assets it ranks #3,954 of 4,374 nationally (same basis as /rankings/largest); and #15 of 15 within Delaware. Above 80 reads excellent, below 50 warrants closer monitoring; a 25.08% net worth ratio and 0.00% delinquency rate are the key drivers.
How does Delaware River & Bay Auth Emp compare to other credit unions?
On PlainCU's health composite, Delaware River & Bay Auth Emp lands at 66/100, compared to a peer group average for $2M–$10M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), 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 Delaware River & Bay Auth Emp?
Delaware River & Bay Auth Emp operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Delaware River & Bay Auth Emp directly for the exact boundaries and application steps.
Is my money safe at Delaware River & Bay Auth Emp?
Federal credit unions like Delaware River & Bay Auth Emp 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. Delaware River & Bay Auth Emp's net worth ratio of 25.08% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Delaware River & Bay Auth Emp offer compared to banks?
Credit unions like Delaware River & Bay Auth Emp 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 Delaware River & Bay Auth Emp directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
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.