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
- DELQ 70/100
- ROA 7.7%
- ASSETS 1.71%
- MEM 0.18%
- RANK $710.8M
- PHOTO 43,410
- BOOK #3,617/4,374
- CHARTER Northland Area
- NCUSIF 12443
Call Report peers
DOVER in the assets neighbourhood
DOVER's $710.8M assets sit next to Northland Area ($710.7M) 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.
DOVER 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
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 - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #12443 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
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%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
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 DOVER
DOVER: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.4% from $710.8M (2025Q4) to $734.9M (2026Q1).
- Net-worth ratio shifted -0.05 pp (7.76% → 7.71%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 70.
- 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 |
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).
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
Cross-state asset and health neighbours for DOVER - kept outside Delaware; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($710.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (70/100 here).
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
- 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 DOVER financially healthy?
A 7.71% net worth ratio and a 1.71% delinquency rate feed into DOVER's financial health score of 70/100 (Very Good), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,617 of 4,374; by total assets it ranks #610 of 4,374 nationally (same basis as /rankings/largest); and #2 of 15 within Delaware. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does DOVER compare to other credit unions?
On PlainCU's health composite, DOVER lands at 70/100, compared to a peer group average for Over $500M 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 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?
Federal credit unions like DOVER 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. DOVER's net worth ratio of 7.71% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does DOVER offer compared to banks?
Credit unions like DOVER 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 DOVER 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.