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
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.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 52 |
| Q3 2024 | 48 |
| Q4 2024 | 46 |
| Q1 2025 | 43 |
| Q2 2025 | 42 |
| Q3 2025 | 40 |
| Q4 2025 | 42 |
| Q1 2026 | 53 |
| Q2 2026 | 52 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 7.88% |
| Q3 2024 | 7.91% |
| Q4 2024 | 7.96% |
| Q1 2025 | 7.96% |
| Q2 2025 | 7.89% |
| Q3 2025 | 8.03% |
| Q4 2025 | 7.76% |
| Q1 2026 | 7.71% |
| Q2 2026 | 7.73% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.94% |
| Q3 2024 | 1.17% |
| Q4 2024 | 1.41% |
| Q1 2025 | 1.64% |
| Q2 2025 | 1.86% |
| Q3 2025 | 2.20% |
| Q4 2025 | 1.71% |
| Q1 2026 | 0.84% |
| Q2 2026 | 0.91% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.33% |
| Q3 2024 | 0.23% |
| Q4 2024 | 0.19% |
| Q1 2025 | 0.13% |
| Q2 2025 | 0.20% |
| Q3 2025 | 0.40% |
| Q4 2025 | 0.21% |
| Q1 2026 | 0.29% |
| Q2 2026 | 0.34% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 52 | $731.9M | 7.73% | 0.91% | 0.34% | 81.1% |
| Q1 2026 | 53 | $734.9M | 7.71% | 0.84% | 0.29% | 80.4% |
| Q4 2025 | 42 | $710.8M | 7.76% | 1.71% | 0.21% | 84.5% |
| Q3 2025 | 40 | $709.9M | 8.03% | 2.20% | 0.40% | 83.8% |
| Q2 2025 | 42 | $705.2M | 7.89% | 1.86% | 0.20% | 83.0% |
| Q1 2025 | 43 | $701.8M | 7.96% | 1.64% | 0.13% | 83.3% |
| Q4 2024 | 46 | $677.4M | 7.96% | 1.41% | 0.19% | 86.1% |
| Q3 2024 | 48 | $694.1M | 7.91% | 1.17% | 0.23% | 86.8% |
| Q2 2024 | 52 | $702.3M | 7.88% | 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).
Similar-size credit unions in Delaware
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Del-One Federal Credit UnionCredit union Dover, DE | 66 out of 100, Moderate | $983.2M | 10.8% | 0.63% | vs |
| Tidemark Federal Credit UnionCredit union Seaford, DE | 83 out of 100, Strong | $468.5M | 14.4% | 0.33% | vs |
| Dexsta Federal Credit UnionCredit union Wilmington, DE | 59 out of 100, Moderate | $432.3M | 9.2% | 1.14% | vs |
| Community Powered Federal Credit UnionCredit union Bear, DE | 80 out of 100, Strong | $141.8M | 17.2% | 1.49% | vs |
| Delaware State Police Federal Credit UnionCredit union Georgetown, DE | 67 out of 100, Moderate | $138.1M | 11.3% | 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.
9 locations
Branches
Dover Federal Credit Union lists 9 offices in 7 cities. Most locations:
- Dover, DE (3)
- Camden, DE (1)
- Dover Air Force Base, DE (1)
- Middletown, DE (1)
- Milford, DE (1)
- New Castle, DE (1)
- Smyrna, DE (1)
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
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| FSNB, National AssociationBank Lawton, OK | 96 out of 100, Very strong | $478.3M | 17.5% | 0.36% | vs |
| County BankBank Rehoboth Beach, DE | 93 out of 100, Very strong | $696.4M | 15.4% | 0.30% | vs |
| Tidemark Federal Credit UnionCredit union Seaford, DE | 83 out of 100, Strong | $468.5M | 14.4% | 0.33% | vs |
| Century Savings BankBank Vineland, NJ | 81 out of 100, Strong | $634.8M | 13.2% | 0.00% | vs |
| The Queenstown Bank of MarylandBank Queenstown, MD | 77 out of 100, Strong | $729.5M | 11.6% | 0.12% | vs |
| P.S.E. & G. Nuclear Employees Federal Credit UnionCredit union Hancocks Bridge, NJ | 72 out of 100, Strong | $10.0M | 12.9% | 0.24% | vs |