Development
Delaware State Police Federal Credit Union
Major Rating Factors:
Weak current capitalization (2.0 on a scale of 0 to 10) based on a net capital to total assets of 4.9 and a net worth ratio of 10.0. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.6 on a scale of 0 to 10).
Other Rating Factors:
Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.7 has resulted in Weak (2.6) profitability. Fair liquidity 4.0, driven by a liquidity ratio of 16.3 percent and a “hot money” ratio of 3.5 percent.
Asset Mix:
Consumer loans (20%), home mtgs (18%), securities (4%), other (58%)
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
700 North Bedford Street
Georgetown, DE 19947
Georgetown, DE 19947
Phone Number
(302) 276-8600
NCUA Charter Number
Website
Largest Competitors
Dover, DE
Dover, DE
Seaford, DE
Wilmington, DE
Newark, DE