Federal credit union · DOVER, Delaware · NCUA charter #12443
DOVER
Health score 70/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 70
- Health / 100
- $710.8M
- Total assets
- 43,410
- Members
- 7.7%
- Net-worth ratio
DOVER scores 70/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $710.8M; members 43,410; net-worth ratio 7.71%; health rank #3,617 of 4,374; healthier than 17th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,617 of 4,374 health · 2025Q4DOVER · health 70/100 · $710.8M · 2025Q4
Call Report peers
DOVER in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
DOVER vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); DOVER sits in 70-74 with 317 others.
70 17th percentile higher than 17% 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
DOVER vs Over $500M peers
- Loan-to-Share Ratio leads the peer set - 84.46% here, 83.90% peer average (+0.56 pp).
- Widest shortfall vs peers is Net Worth Ratio: -3.47 pp (7.71% vs 11.18%).
DOVER in Delaware
- Health composite ranks #10 of 15 among scored Delaware credit unions.
- By total assets, DOVER is #2 of 15 in Delaware.
- Member book place in Delaware: #2 of 15.
- One place up in Delaware, Delaware State Police (#9) ties at 70/100; one place down, Stepping Stones Community (#11) scores 69/100, 1 point lower.
Quarter path for DOVER
DOVER: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.4% from $710.8M (2025Q4) to $734.9M (2026Q1).
- Net-worth ratio shifted -0.05 pp (7.76% → 7.71%).
At 7.71%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 70/100 score is built
DOVER gives up 30 points in total. Delinquency Rate costs the most, 10.3 of its 25; Loan-to-Share Ratio scores full marks.
- Net Worth Ratio 24.3 pts
- Delinquency Rate 14.7 pts
- Return on Assets 10.2 pts
- Member Growth 6.2 pts
- Loan-to-Share Ratio 14.6 pts
DOVER vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 7.71% | -3.47 pp |
| Delinquency Rate | 1.71% | +0.84 pp |
| Return on Assets | 0.18% | -0.33 pp |
| Member Growth | -1.53% | - |
| Loan-to-Share Ratio | 84.46% | +0.56 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $734.9M | - |
| 2025Q4 | $710.8M | 43,410 |
| 2024Q4 | $677.4M | 44,085 |
| 2023Q4 | $697.7M | 44,603 |
Credit Union Details
- Charter Number
- 12443
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Delaware
- City
- DOVER
- Data Quarter
- 2025Q4
Branch Locations (9)
DOVER operates 9 offices across 7 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Corporate Center (Main Office) | Dover, DE |
| Camden | Camden, DE |
| N. DuPont Hwy. | Dover, DE |
| Saulsbury Rd. | Dover, DE |
| Dover Air Force Base | Dover Air Force Base, DE |
| Middletown | Middletown, DE |
| Milford | Milford, DE |
| New Castle | New Castle, DE |
| Smyrna | Smyrna, 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.
Cross-state Call Report peers for DOVER
Using this data
- DOVER ranks #3,617 of 4,374 nationally on financial health and #10 of 15 in DE -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- DEL-ONE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with DEL-ONE
Frequently Asked Questions
Is DOVER financially healthy?
On its 2025Q4 NCUA 5300 filing, DOVER scores 70/100 (Very Good), with a 7.71% net worth ratio and 1.71% of loans delinquent. It ranks #3,617 of 4,374 nationally on health and #10 of 15 in Delaware.
How does DOVER compare to other credit unions?
DOVER scores 70/100, higher than 17% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (84.46% vs 83.90%). Its widest shortfall is net worth ratio (7.71% vs 11.18%).
How can I join DOVER?
DOVER 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 DOVER directly for the exact boundaries and application steps.
Is my money safe at DOVER?
DOVER is a federal credit union; its shares are federally 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. DOVER's net worth ratio of 7.71% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.