Del-One Credit Union

270 Beiser Boulevard
Dover, DE 19904
302-739-4496
www.del-one.org

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Del-One Credit Union is headquartered in Dover and is the 2^nd largest credit union in the state of Delaware. It is also the 650^th largest credit union in the nation. It was established in 1960 and as of December of 2012, it had grown to 86 employees and 36,562 members. Del-One Credit Union has a 4-star health rating.

Del-One Federal Credit Union RCA (3.0%APY, $25K) To (2.0%APY, $25K) (Forum) - 1/3/2013

Ken first posted on this RCA on 5/9/12. The change was effective 1/1/13. Requirements continue to be very reasonable: 10 debit card purchases direct deposit e-statements

Competitive 5-Year CD Rates For Delaware Residents (Forum) - 5/9/2012

Del-One Federal Credit Union has 3 competitive 5-year CD and IRA CD rates with higher rates for larger deposits: 2.22% APY for $100K, 2.12% APY for $50K and 2.02% APY for an unknown minimum. Rates appear valid for all of May 2012. Click the details link a

Competitive Reward Checking Account at Del-One Federal Credit Union - 5/9/2012

I don't usually come across competitive reward checking accounts that I haven't already reviewed, but I came across one at Del-One Federal Credit Union which is offering a reward checking account call ...

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See Rates for: Checking | Savings | Money Market | CD | IRA

Del-One Credit Union Checking Account Rates

Apy	Min	Max	Product
2.00%	-	$25k	Better Life Checking
0.05%	$1k	-	Business Checking Account
0.05%	$500	-	Regular Checking

Del-One Credit Union Savings Account Rates

Apy	Min	Max	Product
0.40%	-	-	I.R.A. Share Account
0.10%	$100	-	Regular Share Account
0.10%	-	-	Christmas Club Account
0.10%	-	-	Vacation Club Account

Del-One Credit Union Money Market Rates

	Apy	Min	Max	Product
	0.40%	$250k	-	Money Market Accounts

Del-One Credit Union CD Rates

Apy	Min	Max	Product
1.11%	$100k	-	60 Month Jumbo Share Certificate
0.95%	$100k	-	36 Month Jumbo Share Certificate
0.90%	-	-	60 Month Share Certificate
0.75%	-	-	36 Month Share Certificate
0.65%	$100k	-	24 Month Jumbo Share Certificate
0.55%	$100k	-	18 Month Jumbo Share Certificate
0.50%	-	-	24 Month Share Certificate
0.45%	$100k	-	12 Month Jumbo Share Certificate
0.40%	-	-	18 Month Share Certificate
0.35%	$100k	-	6 Month Jumbo Share Certificate
0.30%	-	-	12 Month Share Certificate
0.20%	-	-	6 Month Share Certificate

Del-One Credit Union IRA Rates

Apy	Min	Max	Product
1.11%	$100k	-	60 Month Jumbo IRA Certificate
0.95%	$100k	-	36 Month Jumbo IRA Certificate
0.90%	-	-	60 Month IRA Certificate
0.75%	-	-	36 Month IRA Certificate
0.65%	$100k	-	24 Month Jumbo IRA Certificate
0.55%	$100k	-	18 Month Jumbo IRA Certificate
0.50%	-	-	24 Month IRA Certificate
0.45%	$100k	-	12 Month Jumbo IRA Certificate
0.40%	-	-	18 Month IRA Certificate
0.35%	$100k	-	6 Month Jumbo IRA Certificate
0.30%	-	-	12 Month IRA Certificate
0.20%	-	-	6 Month IRA Certificate

Rates updated: 5/24/2013

Data for Q4 2012

Institution Statistics

DEL-ONE
NCUA #	13919
BankRate Report	View
Year Chartered	1960
Employees	86
Primary Regulator
Assets and Liabilities
Assets	$307.89 million
Loans	$226.79 million
Deposits	$278.76 million
Equity Capital	$27.04 million
Loan Loss Allowance	$3.70 million
Unbacked Noncurrent Loans	$5.54 million
Real Estate Owned	$722,000
Historic Data - December 2011
Assets	$290.66 million
Equity Capital	$24.08 million
Loan Loss Allowance	$5.59 million
Unbacked Noncurrent Loans	$5.76 million
Real Estate Owned	$377,000
Profit Margin - Quarterly
Net Interest Margin	4.39%
Return on Assets	0.99%
Return on Equity	11.22%
Interest Income	$13.26 million
Non-Interest Income	$5.82 million

Institution Health

Overall Score:

4 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2012 Del-One Credit Union had $6.26 million in non-current loans and owned real-estate with $30.74 million in equity and loan loss allowances on hand to cover it. This gives Del-One Credit Union a Texas Ratio of 20.38% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Del-One Credit Union held steady from 20.69% as of December 31, 2011 to 20.38% as of December 31, 2012, resulting in a positive change of 1.52%.This indicates that the balance sheet and financial strength for Del-One Credit Union has held steady in recent periods.
Deposit Growth
In the past year, Del-One Credit Union has increased its total deposits by $14.96 million, resulting in 5.67% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Del-One Credit Union has shown is excellent.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Del-One Credit Union has $307.89 million in assets with $30.74 million in equity, resulting in a capitalization level of 9.98%, which is average.