TellerScore

Headquartered in Dover, Delaware, Dover Federal Credit Union is a federal credit union with $731.9M in total assets and $672.5M in member shares and deposits as of Q2 2026. It operates 9 offices. Its charter dates back to 1958.

Based on its Q2 2026 filing, Dover Federal Credit Union scores 52/100, which we describe as below average. That is higher than only 8% of 1,341 credit unions with $100 million – $1 billion. Among 15 credit unions headquartered in Delaware, it ranks 13th. Its strongest component is problem-loan coverage (81/100; 9.7%), and its lowest is capital cushion (27/100; 7.73%).

TellerScore · Q2 2026

Scorecard

Capital cushion27/100
Net worth ratio: 7.73%
Loan quality70/100
Loans 60+ days delinquent ÷ total loans: 0.91%
Earnings33/100
Return on assets (annualized): 0.34%
Funding & liquidity79/100
Loans ÷ shares: 81.1% · 6.5% uninsured
Problem-loan coverage81/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 9.69%

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 10 points (42 → 52), mostly because the loan quality component improved by 32 points.

TellerScore
404753Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202452
Q3 202448
Q4 202446
Q1 202543
Q2 202542
Q3 202540
Q4 202542
Q1 202653
Q2 202652
Net worth ratio
7.00%7.52%8.03%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20247.88%
Q3 20247.91%
Q4 20247.96%
Q1 20257.96%
Q2 20257.89%
Q3 20258.03%
Q4 20257.76%
Q1 20267.71%
Q2 20267.73%
Delinquent loans (60+ days)
0.84%1.52%2.20%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.94%
Q3 20241.17%
Q4 20241.41%
Q1 20251.64%
Q2 20251.86%
Q3 20252.20%
Q4 20251.71%
Q1 20260.84%
Q2 20260.91%
Return on assets
0.13%0.26%0.40%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.33%
Q3 20240.23%
Q4 20240.19%
Q1 20250.13%
Q2 20250.20%
Q3 20250.40%
Q4 20250.21%
Q1 20260.29%
Q2 20260.34%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202652$731.9M7.73%0.91%0.34%81.1%
Q1 202653$734.9M7.71%0.84%0.29%80.4%
Q4 202542$710.8M7.76%1.71%0.21%84.5%
Q3 202540$709.9M8.03%2.20%0.40%83.8%
Q2 202542$705.2M7.89%1.86%0.20%83.0%
Q1 202543$701.8M7.96%1.64%0.13%83.3%
Q4 202446$677.4M7.96%1.41%0.19%86.1%
Q3 202448$694.1M7.91%1.17%0.23%86.8%
Q2 202452$702.3M7.88%0.94%0.33%85.2%

1,341 peers · $100 million – $1 billion

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 ratio7.73%
2nd
Problem loans0.91%
35th
Net charge-offs0.99%
10th
Return on assets0.34%
20th
Loans to deposits81.1%
38th
Uninsured deposits6.5%
44th
Loan-loss reserves0.00%
50th
Texas ratio9.7%
14th

Similar-size credit unions in Delaware

InstitutionScoreAssetsCapitalProblem loansCompare
Del-One Federal Credit UnionCredit union Dover, DE66 out of 100, Moderate$983.2M10.8%0.63%vs
Tidemark Federal Credit UnionCredit union Seaford, DE83 out of 100, Strong$468.5M14.4%0.33%vs
Dexsta Federal Credit UnionCredit union Wilmington, DE59 out of 100, Moderate$432.3M9.2%1.14%vs
Community Powered Federal Credit UnionCredit union Bear, DE80 out of 100, Strong$141.8M17.2%1.49%vs
Delaware State Police Federal Credit UnionCredit union Georgetown, DE67 out of 100, Moderate$138.1M11.3%1.28%vs

Deposit insurance

Is my money safe at Dover Federal Credit Union?

Yes. Dover Federal Credit Union is a federally insured credit union (NCUA charter #12443). 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 6.5% of shares and deposits ($44.0M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 7.73%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

9 locations

Branches

Dover Federal Credit Union lists 9 offices in 7 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Dover Federal Credit Union reported 255 home-loan applications under HMDA (LEI 2549006MX2M0D119SZ27): 144 originated ($21,980,000 total), 99 denied, and 11 withdrawn or closed by the applicant. Its denial rate on decided applications was 40.6%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Dover Federal Credit Union
Type
Federal credit union
NCUA charter #
12443
RSSD ID
336884
Primary regulator
NCUA
Established
1958
Headquarters
1075 Silver Lake Blvd, Dover, DE 19904
Employees
137

Quick answers

Dover Federal Credit Union: common questions

Is Dover Federal Credit Union NCUA insured?

Yes. Dover Federal Credit Union is a federally insured credit union (NCUA charter #12443). 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 Dover Federal Credit Union's TellerScore?

52 out of 100 (Below average), 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 Dover Federal Credit Union have?

9 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Dover

InstitutionScoreAssetsCapitalProblem loansCompare
FSNB, National AssociationBank Lawton, OK96 out of 100, Very strong$478.3M17.5%0.36%vs
County BankBank Rehoboth Beach, DE93 out of 100, Very strong$696.4M15.4%0.30%vs
Tidemark Federal Credit UnionCredit union Seaford, DE83 out of 100, Strong$468.5M14.4%0.33%vs
Century Savings BankBank Vineland, NJ81 out of 100, Strong$634.8M13.2%0.00%vs
The Queenstown Bank of MarylandBank Queenstown, MD77 out of 100, Strong$729.5M11.6%0.12%vs
P.S.E. & G. Nuclear Employees Federal Credit UnionCredit union Hancocks Bridge, NJ72 out of 100, Strong$10.0M12.9%0.24%vs