DOVER
Charter #12443 · DOVER, DE · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 42,909 sits at the 21st percentile of structural peers — worth a closer look.
- Net worth ratio of 7.71% sits at the 8th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.05% sits at the 82nd percentile of structural peers — worth a closer look.
- On Members, the asset-size band puts this credit union at the 52nd percentile but its structural peers at the 21st — a 31-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | DOVER | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $734.93M | 56th pct | 31th pct |
| Members | 42,909 | 52th pct | 21th pct |
| Net worth ratio | 7.71% | 5th pct | 8th pct |
| Return on average assets | 0.29% | 21th pct | 26th pct |
| Net interest margin | 3.76% | 72th pct | 69th pct |
| Cost of funds | 1.47% | 49th pct | 49th pct |
| Loan-to-share | 80.44% | 49th pct | 39th pct |
| Delinquency 60+ days | 0.84% | 69th pct | 64th pct |
| Net charge-off ratio | 1.05% | 89th pct | 82th pct |
| Loan growth YoY | -0.20% | 36th pct | 38th pct |
| Share growth YoY | 3.99% | 48th pct | 51th pct |
| Efficiency ratio | 81.84% | 67th pct | 62th pct |
structural peer set hash: 6fcef4465f7cebe1904a1981ffd15600… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.