TellerScore

Headquartered in New Castle, Delaware, Delaware River & Bay Auth Emp Federal Credit Union is a federal credit union with $4.1M in total assets and $3.1M in member shares and deposits as of Q2 2026. It operates 3 offices across 2 states. Its charter dates back to 1965.

Delaware River & Bay Auth Emp Federal Credit Union has a TellerScore of 86 out of 100 (very strong) based on Q2 2026 data — higher than 80% of its 2,479 credit unions with under $100 million in assets. Among 15 credit unions headquartered in Delaware, it ranks 2nd. Capital cushion contributes the most (100/100, 25.81%); earnings contributes the least (65/100, 1.12%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 25.81%
Loan quality73/100
Loans 60+ days delinquent ÷ total loans: 0.82%
Earnings65/100
Return on assets (annualized): 1.12%
Funding & liquidity100/100
Loans ÷ shares: 14.2% · 0.0% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.32%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 21 points (65 → 86), mostly because the loan quality component improved by 73 points.

TellerScore
658095Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202466
Q3 202466
Q4 202478
Q1 202567
Q2 202565
Q3 202584
Q4 202586
Q1 202695
Q2 202686
Net worth ratio
7.00%16.41%25.81%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202422.83%
Q3 202423.50%
Q4 202423.66%
Q1 202524.46%
Q2 202524.76%
Q3 202524.37%
Q4 202524.79%
Q1 202625.08%
Q2 202625.81%
Delinquent loans (60+ days)
0.00%2.59%5.19%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20245.19%
Q3 20243.84%
Q4 20240.55%
Q1 20253.73%
Q2 20253.49%
Q3 20250.00%
Q4 20250.00%
Q1 20260.00%
Q2 20260.82%
Return on assets
-0.14%0.61%1.36%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.94%
Q3 20240.97%
Q4 2024-0.14%
Q1 20251.01%
Q2 20250.83%
Q3 20250.04%
Q4 20250.28%
Q1 20261.36%
Q2 20261.12%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202686$4.1M25.81%0.82%1.12%14.2%
Q1 202695$4.2M25.08%0.00%1.36%14.2%
Q4 202586$4.2M24.79%0.00%0.28%15.6%
Q3 202584$4.2M24.37%0.00%0.04%16.7%
Q2 202565$4.2M24.76%3.49%0.83%17.8%
Q1 202567$4.3M24.46%3.73%1.01%17.0%
Q4 202478$4.4M23.66%0.55%-0.14%15.8%
Q3 202466$4.6M23.50%3.84%0.97%16.2%
Q2 202466$4.6M22.83%5.19%0.94%15.2%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio25.81%
90th
Problem loans0.82%
45th
Net charge-offs-0.28%
97th
Return on assets1.12%
72nd
Loans to deposits14.2%
97th
Uninsured deposits0.0%
81st
Loan-loss reserves9.21%
98th
Texas ratio0.3%
78th

Similar-size credit unions in Delaware

InstitutionScoreAssetsCapitalProblem loansCompare
Stepping Stones Community Federal Credit UnionCredit union Wilmington, DE74 out of 100, Strong$8.3M47.0%10.61%vs
Provident Federal Credit UnionCredit union Dover, DE64 out of 100, Moderate$11.9M14.1%1.75%vs
Wilmington Police & Fire Federal Credit UnionCredit union Wilmington, DE59 out of 100, Moderate$14.3M14.7%2.45%vs
Priority Plus Federal Credit UnionCredit union Wilmington, DE74 out of 100, Strong$23.3M17.6%1.10%vs
New Castle County Delaware Em Federal Credit UnionCredit union New Castle, DE86 out of 100, Very strong$33.3M12.0%0.00%vs
Edu Federal Credit UnionCredit union New Castle, DE34 out of 100, Low$44.2M6.8%2.57%vs

Deposit insurance

Is my money safe at Delaware River & Bay Auth Emp Federal Credit Union?

Yes. Delaware River & Bay Auth Emp Federal Credit Union is a federally insured credit union (NCUA charter #16769). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 25.81%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Delaware River & Bay Auth Emp Federal Credit Union lists 3 offices in 3 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Delaware River & Bay Auth Emp Federal Credit Union
Type
Federal credit union
NCUA charter #
16769
RSSD ID
355586
Primary regulator
NCUA
Established
1965
Headquarters
Po Box 71, New Castle, DE 19720
Employees
5

Quick answers

Delaware River & Bay Auth Emp Federal Credit Union: common questions

Is Delaware River & Bay Auth Emp Federal Credit Union NCUA insured?

Yes. Delaware River & Bay Auth Emp Federal Credit Union is a federally insured credit union (NCUA charter #16769). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Delaware River & Bay Auth Emp Federal Credit Union's TellerScore?

86 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Delaware River & Bay Auth Emp Federal Credit Union have?

3 offices as of the latest NCUA data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near New Castle

InstitutionScoreAssetsCapitalProblem loansCompare
HSBC Trust Company (Delaware), National AssociationBank Wilmington, DE94 out of 100, Very strong$57.2M97.8%0.00%vs
Deutsche Bank Trust Company DelawareBank Newark, DE93 out of 100, Very strong$141.4M93.2%0.00%vs
Applied BankBank Wilmington, DE93 out of 100, Very strong$274.1M17.5%0.00%vs
United Savings BankBank Philadelphia, PA89 out of 100, Very strong$460.6M17.4%0.00%vs
New Castle County Delaware Em Federal Credit UnionCredit union New Castle, DE86 out of 100, Very strong$33.3M12.0%0.00%vs
Goya Foods Employees Federal Credit UnionCredit union Jersey City, NJ86 out of 100, Very strong$11.2M22.4%0.86%vs