Side-by-side · Q2 2026 data
Edu Federal Credit Union vs Delaware River & Bay Auth Emp Federal Credit Union
Credit union
Delaware River & Bay Auth Emp Federal Credit Union
New Castle, Delaware · Under $100 million in assets
Metric by metric
| Measure | Edu Federal Credit Union | Delaware River & Bay Auth Emp Federal Credit Union |
|---|---|---|
| TellerScore | 34 | 86 (stronger) |
| Capital cushion | 18 | 100 (stronger) |
| Loan quality | 14 | 73 (stronger) |
| Earnings | 18 | 65 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 64 | 99 (stronger) |
| Peer percentile | 2nd | 80th |
| Total assets | $44.2M | $4.1M |
| Deposits / shares | $41.2M | $3.1M |
| Capital ratio | 6.81% | 25.81% (stronger) |
| Problem loans | 2.57% | 0.82% (stronger) |
| Net charge-offs | 0.71% | -0.28% (stronger) |
| Return on assets | -0.05% | 1.12% (stronger) |
| Loans ÷ deposits | 51.1% | 14.2% (stronger) |
| Uninsured deposits | 0.5% | 0.0% (stronger) |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Delaware River & Bay Auth Emp Federal Credit Union has the higher TellerScore (86 vs 34). On the 7 directional measures above (where higher or lower is clearly better), Edu Federal Credit Union leads on 0 and Delaware River & Bay Auth Emp Federal Credit Union on 7. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.