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Overview / Commentary
270 Beiser Blvd
Dover, DE 19904

Del-One Credit Union is headquartered in Dover and is the 2nd largest credit union in the state of Delaware. It is also the 643rd largest credit union in the nation. It was established in 1960 and as of December of 2013, it had grown to 96 employees and 44,146 members. Del-One Credit Union has a B+ health rating.

Field of Membership Restrictions

Must live, work, worship or attend school in the Town of Georgetown, City of Milford, City of Newark, City of Wilmington or a selected West Dover area. Also open to employees of the State of Delaware or several selected employer groups. - See Details

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Data for Q4 2013

Institution Health


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, 2013 Del-One Credit Union had $6.05 million in non-current loans and owned real-estate with $31.31 million in equity and loan loss allowances on hand to cover it. This gives Del-One Credit Union a Texas Ratio of 19.32% which is above 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 experienced no significant changes from 20.38% as of December 31, 2012 to 19.32% as of December 31, 2013, resulting in a positive change of 5.17%.This indicates that the balance sheet and financial strength for Del-One Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, Del-One Credit Union has increased its total deposits by $15.08 million, resulting in 5.41% 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.



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 $322.23 million in assets with $31.31 million in equity, resulting in a capitalization level of 9.72%, which is above average.

Institution Statistics

NCUA #13919
Year Chartered1960
Primary Regulator
Assets and Liabilities
Assets$322.23 million
Loans$245.42 million
Deposits$293.84 million
Equity Capital$26.21 million
Loan Loss Allowance$5.10 million
Unbacked Noncurrent Loans$5.61 million
Real Estate Owned$441,000
Historic Data - December 2012
Assets$307.89 million
Equity Capital$27.04 million
Loan Loss Allowance$3.70 million
Unbacked Noncurrent Loans$5.61 million
Real Estate Owned$722,000
Profit Margin - Quarterly
Net Interest Margin4.28%
Return on Assets0.43%
Return on Equity5.3%
Interest Income$13.05 million

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Del-One Credit Union Savings Account Rates

0.40%--I.R.A. Share
0.10%$100-Regular Share
0.10%--Christmas Club
0.10%--Vacation Club

Del-One Credit Union Money Market Rates

0.40%$250k-Money Market

Del-One Credit Union Checking Account Rates

2.00%-$25kBetter Life Checking
0.05%$1k-Business Checking
0.05%$500-Regular Checking

Del-One Credit Union CD Rates

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
0.50%$100k-12 Month Jumbo Share Certificate
0.40%--18 Month Share Certificate
0.40%$100k-6 Month Jumbo Share Certificate
0.35%--12 Month Share Certificate
0.25%--6 Month Share Certificate

Del-One Credit Union IRA Rates

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
0.50%$100k-12 Month Jumbo IRA Certificate
0.40%--18 Month IRA Certificate
0.40%$100k-6 Month Jumbo IRA Certificate
0.35%--12 Month IRA Certificate
0.25%--6 Month IRA Certificate

Del-One Credit Union Locations
Branch Office80 Christiana RdNew Castle, DE 19720-3118
Branch Office201 Pharmacy DrSmyrna, DE 199775813
Main Office270 Beiser BlvdDover, DE 19904-7790
Branch Office30 Georgetown PlzGeorgetown, DE 19947-2300
Branch Office824 N Market St Ste 108Wilmington, DE 19801-4937
Branch Office150 E Water StDover, DE 19901-3619
Branch Office100 Credit Union WayMilford, DE 19963
Branch Office30560 Dupont BlvdDagsboro, DE 19939
Branch Office24488 Sussex HwySeaford, DE 19973