Delaware River & Bay Authority Employees Federal Credit Union
Major Rating Factors:
Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 1.0 has resulted in Fair (3.1) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.0 on a scale of 0 to 10).
Other Rating Factors:
Fair liquidity 3.8, driven by a liquidity ratio of 35.7 percent and a “hot money” ratio of 0.0 percent. Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 24.5 and a net worth ratio of 0.0.
Asset Mix:
Securities (75%), consumer loans (13%), other (12%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
I295 & New Castle Ave DE Memorial Bridge
New Castle, DE 19720
New Castle, DE 19720
Phone Number
(302) 571-6323
NCUA Charter Number
Largest Competitors
Dover, DE
Dover, DE
New Castle, DE
New Castle, DE
New Castle, DE