DELAWARE RIVER & BAY AUTH EMP
Charter #16769 · NEW CASTLE, DE · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.36% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 2.15% sits at the 15th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 36.91% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
- On Loan-to-share, the asset-size band puts this credit union at the 7th percentile but its structural peers at the 28th — a 21-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 | DELAWARE RIVER & BAY AUTH EMP | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $4.22M | 52th pct | 62th pct |
| Members | 380 | 33th pct | 46th pct |
| Net worth ratio | 25.08% | 75th pct | 74th pct |
| Return on average assets | 1.36% | 81th pct | 77th pct |
| Net interest margin | 2.15% | 9th pct | 15th pct |
| Cost of funds | 0.74% | 58th pct | 62th pct |
| Loan-to-share | 14.24% | 7th pct | 28th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | 0.00% | 22th pct | 28th pct |
| Loan growth YoY | -15.83% | 12th pct | 26th pct |
| Share growth YoY | -1.44% | 38th pct | 46th pct |
| Efficiency ratio | 36.91% | 4th pct | 8th pct |
structural peer set hash: 73a19fa54751203454377975b2d6a262… (reproducible)
Closest structural peers
This is the free public view
Claim DELAWARE RIVER & BAY AUTH EMP
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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.