Federal credit union · Dover, Ohio · NCUA charter #8822
Dover-phila
Health score 85/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $785.4M
- Total assets
- 34,153
- Members
- 12.8%
- Net-worth ratio
Dover-phila - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #8822, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Dover-phila - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)100
- Asset quality (delinquency)81
- Earnings (ROA)100
- Member growth66
- Liquidity (loan-to-share)65
Weighted composite: 85/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
12.79% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 12.79% | 30% |
| Delinquency Rate | 0.98% | 25% |
| Return on Assets | 0.59% | 15% |
| Member Growth | 0.71% | 15% |
| Loan-to-Share Ratio | 41.50% | 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 | $785.4M | 34,153 |
| 2024Q4 | $705.0M | 33,912 |
| 2023Q4 | $663.2M | 33,763 |
Credit Union Details
- Charter Number
- 8822
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Ohio
- City
- Dover
- Data Quarter
- 2025Q4
What This Data Says About Dover-phila
34,153 members and $785.4M in total assets sit behind Dover-phila, a federal credit union in Dover, Ohio, which posts a health score of 85/100 (Excellent) on the five-factor composite, with $286.4M in outstanding loans as of Q4 2025 and a net worth ratio of 12.79% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #8822 in peer group Over $500M, a cohort of 749 similarly-sized institutions.
Loan book quality rounds out the picture. The delinquency rate of 0.98% 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 41.50% 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 0.59% on net income of $4.6M 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 0.71%. 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 Ohio
Other federally-insured credit unions in Ohio, 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-phila financially healthy?
Dover-phila scores 85/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 12.79% net worth ratio and a 0.98% delinquency rate.
How does Dover-phila compare to other credit unions?
On PlainCU's health composite, Dover-phila lands at 85/100, 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-phila?
Dover-phila 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-phila directly for the exact boundaries and application steps.
Is my money safe at Dover-phila?
Federal credit unions like Dover-phila 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-phila's net worth ratio of 12.79% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Dover-phila offer compared to banks?
Credit unions like Dover-phila 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-phila 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.