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Delaware Credit Union Performance
How the 15 credit unions based in Delaware are performing — size, membership, earnings, capital, growth and loan quality — measured against every U.S. credit union, straight from the public NCUA Call Report.
NCUA data through Q1 2026.
Delaware's 15 credit unions serve 254,107 members and hold $3.21B in combined assets. The median Delaware credit union earned a 0.43% return on average assets over the past year, compared with 0.66% for the median U.S. credit union. Median one-year membership growth among Delaware credit unions was -0.52%, compared with -0.55% nationally. Median one-year asset growth was 1.59%, compared with 2.78% nationally. Figures are from the Q1 2026 NCUA Call Report.
Delaware at a glance
Delaware vs. the United States
System totals are the sum of every credit union based in Delaware. The share column is Delaware's portion of the national figure.
| Measure | Delaware | United States | Delaware share |
|---|---|---|---|
| Credit unions | 15 | 4,335 | 0.3% |
| Members | 254,107 | 147,031,529 | 0.2% |
| Residents (population) | 1,051,917 | 340,110,988 | 0.3% |
| Total assets | $3.21B | $2,507.50B | 0.1% |
| Total loans | $1.96B | $1,744.86B | 0.1% |
| Total shares & deposits | $2.85B | $2,143.21B | 0.1% |
| Total net worth | $347.9M | $282.23B | 0.1% |
| Mergers year-to-date | 0 | 27 | — |
Membership reach. Delaware credit unions report about 24 memberships for every 100 residents, vs 43 nationally — a rough measure of how deeply credit unions reach the population. (This counts memberships, not unique people: one person can belong to more than one credit union, and large Delaware credit unions serve members in other states, so it overstates true in-state penetration.)
The median Delaware credit union
Ratios and growth describe the typical (median) credit union in each place — a robust, outlier-resistant figure — not a single giant institution. Each is computed with the same disclosed equations used across CUNinjas.
| Metric | Median Delaware CU | Median U.S. CU |
|---|---|---|
| Return on assets | 0.43% | 0.66% |
| Net worth ratio | 13.72% | 12.44% |
| Loan-to-share ratio | 42.74% | 67.86% |
| Delinquency ratio | 1.11% | 0.63% |
| Net charge-off ratio | 0.88% | 0.33% |
| Cost of funds | 0.81% | 1.05% |
| Member growth (1 yr) | -0.52% | -0.55% |
| Asset growth (1 yr) | 1.59% | 2.78% |
| Loan growth (1 yr) | -1.80% | 0.63% |
| Share growth (1 yr) | 1.03% | 2.36% |
| Net worth growth (1 yr) | 4.00% | 5.57% |
Trends over time
The median Delaware credit union (solid) vs. the median U.S. credit union (dashed), by year.
Return on assets 0.38% · 0.72%
— Delaware ‑‑ U.S.
Net worth ratio 14.13% · 12.46%
— Delaware ‑‑ U.S.
Loan-to-share ratio 45.51% · 69.70%
— Delaware ‑‑ U.S.
Delinquency ratio 1.59% · 0.72%
— Delaware ‑‑ U.S.
Asset growth (1 yr) 3.63% · 3.26%
— Delaware ‑‑ U.S.
Member growth (1 yr) -0.21% · -0.52%
— Delaware ‑‑ U.S.
Delaware leaderboards
Largest by assets
- 1 Delaware Credit Union $984.4M
- 2 Dover Credit Union $734.9M
- 3 Sussex County Credit Union $470.8M
- 4 DEXSTA Credit Union $435.5M
- 5 Community Powered Credit Union $145.5M
- 6 Delaware State Police Credit Union $139.3M
- 7 Eagle One Credit Union $93.9M
- 8 American Spirit Credit Union $69.5M
- 9 New Castle County School Emp Credit Union $44.1M
- 10 New Castle County Employees Credit Union $32.1M
Highest return on assets
- 1 Community Powered Credit Union 1.18%
- 2 Delaware Credit Union 1.00%
- 3 Eagle One Credit Union 0.61%
- 4 Delaware State Police Credit Union 0.56%
- 5 DEXSTA Credit Union 0.43%
- 6 Sussex County Credit Union 0.33%
- 7 Dover Credit Union 0.29%
Fastest-growing (organic)
- 1 Community Powered Credit Union 17.42%
- 2 Eagle One Credit Union 7.43%
- 3 Dover Credit Union 4.72%
- 4 DEXSTA Credit Union 3.95%
- 5 Delaware State Police Credit Union 2.67%
- 6 Sussex County Credit Union 1.59%
Leaderboards rank credit unions above $50M in assets on positive measures only (return on assets and organic asset growth, excluding merger-driven jumps); the largest board has no size floor.
Method. Compiled from public NCUA 5300 Call Report data (Q1 2026), covering federally insured credit unions headquartered in Delaware that filed for the quarter. System totals are exact sums; ratios and growth are the median credit union in each place, computed through the same disclosed equations used across CUNinjas (a credit union that branches across state lines is counted only in its home state). Cells for a group of fewer than three credit unions are withheld. Population figures are U.S. Census Bureau Vintage 2024 estimates. Not affiliated with the NCUA.