Federal credit union · DOVER, Delaware · NCUA charter #12443
Dover
Health score 60/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 60
- Health / 100
- $710.8M
- Total assets
- 43,410
- Members
- 5.5%
- Net-worth ratio
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 - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)46
- Asset quality (delinquency)59
- Earnings (ROA)68
- Member growth42
- Liquidity (loan-to-share)100
Weighted composite: 60/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 5.54%, this institution is below the 7.0% NCUA well-capitalized threshold.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 5.54% | 30% |
| Delinquency Rate | 1.71% | 25% |
| Return on Assets | 0.18% | 15% |
| Member Growth | -1.53% | 15% |
| Loan-to-Share Ratio | 84.46% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Dover
Headquartered in DOVER, Delaware, Dover is a federal credit union with 43,410 members, $710.8M in total assets, and $551.3M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 60/100 (Good), driven in part by a net worth ratio of 5.54% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #12443 and reports within peer group Over $500M, a cohort of 749 similarly-sized institutions.
Loan book quality rounds out the picture. The delinquency rate of 1.71% measures loans 60+ days past due against total loans outstanding - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running looser than peers. The loan-to-share ratio of 84.46% indicates how aggressively member deposits are being deployed into lending, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.18% on net income of $1.3M 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 -1.53%. 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
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 Dover financially healthy?
A 5.54% net worth ratio and a 1.71% delinquency rate feed into Dover's financial health score of 60/100 (Good), from NCUA 5300 Call Report data as of Q4 2025. 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 60/100, 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 5.54% is relative to 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.
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.