Federal credit union · NEW CASTLE, Delaware · NCUA charter #17687
New Castle County Delaware Em
Health score 86/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 86
- Health / 100
- $32.2M
- Total assets
- 2,370
- Members
- 12.1%
- Net-worth ratio
New Castle County Delaware Em scores 86/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $32.2M; members 2,370; net-worth ratio 12.09%; health rank #1,808 of 4,374; healthier than 57th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#1,808 of 4,374 health · 2025Q4New Castle County Delaware… · health 86/100 · $32.2M · 2025Q4
- CHARTER 86/100
- NCUSIF 12.1%
- CAMELS 0.00%
- HEALTH 1.03%
- NW $32.2M
- DELQ 2,370
- ROA #1,808/4,374
- ASSETS Faith Connection
- MEM 17687
Call Report peers
New Castle County Delaware Em in the assets neighbourhood
New Castle County Delaware Em's $32.2M assets sit next to Faith Connection ($32.2M) 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.
New Castle County Delaware Em 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
86 Top 43% higher than 57% 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
New Castle County Delaware Em - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #17687: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
New Castle County Delaware Em vs $10M–$50M peers
- Delinquency Rate leads the peer set - 0.00% here, 1.15% peer average (-1.15 pp).
- Largest lag: Loan-to-Share Ratio at 23.96% vs peer 59.80% (-35.84 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
New Castle County Delaware Em: in-state Call Report ranks
- In Delaware, health place is #4 of 15 on the same NCUA-ratio sort used nationally.
- By total assets, New Castle County Delaware Em is #10 of 15 in Delaware.
- Membership ranks #12 of 15 among Delaware CUs with a reported count (2,370 members).
In-state ordinals use the live credit_unions table for DE only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
New Castle County Delaware Em: 2025Q4 → 2026Q1
New Castle County Delaware Em: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.1% from $32.2M (2025Q4) to $32.1M (2026Q1).
- Net-worth ratio shifted +0.37 pp (11.72% → 12.09%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
12.09% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 86/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 86.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 7.6 pts
- Loan-to-Share Ratio 8.4 pts
New Castle County Delaware… health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.09% | -2.77 pp |
| Delinquency Rate | 0.00% | -1.15 pp |
| Return on Assets | 1.03% | +0.32 pp |
| Member Growth | -0.75% | - |
| Loan-to-Share Ratio | 23.96% | -35.84 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $32.1M | - |
| 2025Q4 | $32.2M | 2,370 |
| 2024Q4 | $30.8M | 2,388 |
| 2023Q4 | $30.6M | 2,399 |
Credit Union Details
- Charter Number
- 17687
- Type
- Federal
- Field of Membership
- Low Income
- Peer Group
- $10M–$50M
- State
- Delaware
- City
- NEW CASTLE
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, New Castle County Delaware Em runs 2 offices in 2 different cities.
| Office | City |
|---|---|
| New Castle County Delaware EFCU (Main Office) | New Castle, DE |
| Eagle One FCU | Claymont, DE |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Delaware
A look at other Delaware credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near New Castle County Delaware Em
New Castle County Delaware Em's nationwide photo peers by assets and by health score, excluding Delaware charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($32.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (86/100 here).
Using this data
- New Castle County Delaware Em ranks #1,808 of 4,374 nationally on financial health and #4 of 15 in DE -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Priority Plus is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Priority Plus
- 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 New Castle County Delaware Em financially healthy?
New Castle County Delaware Em scores 86/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,808 of 4,374; by total assets it ranks #2,796 of 4,374 nationally (same basis as /rankings/largest); and #10 of 15 within Delaware. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 12.09% net worth ratio and a 0.00% delinquency rate.
How does New Castle County Delaware Em compare to other credit unions?
On PlainCU's health composite, New Castle County Delaware Em lands at 86/100, compared to a peer group average for $10M–$50M 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 New Castle County Delaware Em?
New Castle County Delaware Em carries an NCUA Low-Income Designation, which typically means anyone can join regardless of employer or location, and the credit union is eligible for supplemental capital and secondary capital rules not available to standard charters. Contact New Castle County Delaware Em directly to confirm current membership steps.
Is my money safe at New Castle County Delaware Em?
Federal credit unions like New Castle County Delaware Em 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. New Castle County Delaware Em's net worth ratio of 12.09% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does New Castle County Delaware Em offer compared to banks?
Credit unions like New Castle County Delaware Em 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 New Castle County Delaware Em 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.