Federal credit union · Georgetown, Delaware · NCUA charter #13791
Delaware State Police
Health score 70/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 70
- Health / 100
- $144.0M
- Total assets
- 7,827
- Members
- 10.5%
- Net-worth ratio
Delaware State Police - Share Insurance Coverage
Charter #13791's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Delaware State Police - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)62
- Earnings (ROA)100
- Member growth0
- Liquidity (loan-to-share)65
Weighted composite: 70/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 10.48%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 10.48% | 30% |
| Delinquency Rate | 1.59% | 25% |
| Return on Assets | 0.79% | 15% |
| Member Growth | -8.36% | 15% |
| Loan-to-Share Ratio | 41.93% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $144.0M | 7,827 |
| 2024Q4 | $131.6M | 8,541 |
| 2023Q4 | $130.1M | 8,513 |
Credit Union Details
- Charter Number
- 13791
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $100M–$500M
- State
- Delaware
- City
- Georgetown
- Data Quarter
- 2025Q4
What This Data Says About Delaware State Police
Charter #13791, peer group $100M–$500M, a cohort of 1069 similarly-sized institutions: that's Delaware State Police, a federal credit union in Georgetown, Delaware with 7,827 members, $144.0M in total assets, and $55.3M in outstanding loans as of Q4 2025. The five-factor composite scores it 70/100 (Very Good), helped by a net worth ratio of 10.48% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
Loan book quality rounds out the picture. The delinquency rate of 1.59% measures loans 60+ days past due against total loans outstanding - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running looser than peers. The loan-to-share ratio of 41.93% indicates how aggressively member deposits are being deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.79% on net income of $1.1M 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 -8.36%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Multiple Common Bond) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in Delaware
Other federally-insured credit unions in Delaware, closest first by peer group and asset size.
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 State Police financially healthy?
Yes/no aside, the number is 70/100 (Very Good) - Delaware State Police's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 10.48% net worth ratio and 1.59% delinquency rate are the key drivers.
How does Delaware State Police compare to other credit unions?
PlainCU's health composite puts Delaware State Police at 70/100, compared to a peer group average for $100M–$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 Delaware State Police?
Delaware State Police 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 Delaware State Police directly for the current list of qualifying groups.
Is my money safe at Delaware State Police?
Federal credit unions like Delaware State Police 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 State Police's net worth ratio of 10.48% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Delaware State Police offer compared to banks?
Credit unions like Delaware State Police 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 State Police 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.