Federal credit union · NEW CASTLE, Delaware · NCUA charter #16769
Delaware River & Bay Auth Emp
Health score 66/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 66
- Health / 100
- $4.2M
- Total assets
- 387
- Members
- 17.4%
- Net-worth ratio
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.
Delaware River & Bay Auth Emp - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)21
- Member growth1
- Liquidity (loan-to-share)49
Weighted composite: 66/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 17.41%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 17.41% | 30% |
| Delinquency Rate | 0.00% | 25% |
| Return on Assets | -0.15% | 15% |
| Member Growth | -4.91% | 15% |
| Loan-to-Share Ratio | 15.59% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Delaware River & Bay Auth Emp
Headquartered in NEW CASTLE, Delaware, Delaware River & Bay Auth Emp is a federal credit union with 387 members, $4.2M in total assets, and $493K in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 66/100 (Good), driven in part by a net worth ratio of 17.41% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #16769 and reports within peer group $2M–$10M, a cohort of 566 similarly-sized institutions.
Deposits deployed into lending sit at a 15.59% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Loan quality, meanwhile, shows 0.00% of the book 60+ days past due - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running tighter than peers. Return on assets stands at -0.15% on net income of $-6159 for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -4.91%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Community) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
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–$50M80Health
Compare Delaware River & Bay Auth Emp vs STEPPING STONES COMMUNITY
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
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. Above 80 reads excellent, below 50 warrants closer monitoring; a 17.41% 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 17.41% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.