Credit Union Safety Analysis
Is Dover-Phila Federal Credit Union Safe? Dover, Ohio
Based on its Q2 2026 NCUA 5300 call report, Dover-Phila Federal Credit Union has a net worth ratio of 13.28%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.91%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Dover-Phila Federal Credit Union's net worth ratio is 13.28%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 13.28%
- Delinquency ratio (60+ days) (Q2 2026): 0.91%
- Return on assets (Q2 2026): 1.42%
- Loan-to-share ratio (Q2 2026): 39.82%
Dover-Phila Federal Credit Union (NCUA charter 8822, established 1953) reported $812.6M in assets and 34,310 members for Q2 2026 from Dover, Ohio. It ranks 12 of 191 credit unions in Ohio by total assets. Total assets grew 7.6% from $755.1M on June 30, 2025. It has 210 more members than on June 30, 2025 (+0.6%). Its net worth ratio was up 0.23 percentage points from 13.05% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $177.0M of $286.1M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.91% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 13.13% for Q1 2026; 13.05% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 0.67% for Q1 2026; 0.79% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 1.65% for Q1 2026; 1.13% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 40.21% for Q1 2026; 44.25% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $177.0M
- Used vehicle loans: $63.1M
- Other unsecured loans and lines of credit: $20.0M
- Other secured non-real estate loans and lines of credit: $16.2M
- New vehicle loans: $9.8M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $812.6M | 13.28% | 0.91% | 1.42% | 39.82% |
| March 31, 2026 | $800.3M | 13.13% | 0.67% | 1.65% | 40.21% |
| December 31, 2025 | $785.4M | 12.96% | 0.98% | 1.18% | 41.50% |
| September 30, 2025 | $762.8M | 13.05% | 0.75% | 0.53% | 43.17% |
| June 30, 2025 | $755.1M | 13.05% | 0.79% | 1.13% | 44.25% |
| March 31, 2025 | $742.4M | 12.99% | 0.65% | 1.08% | 41.20% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Dover-Phila Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 8822) · FFIEC NIC profile (RSSD 269580)
Frequently asked questions
Is Dover-Phila Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Dover-Phila Federal Credit Union's net worth ratio is 13.28%, above the 7% NCUA threshold for well capitalized.
Is Dover-Phila Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Dover-Phila Federal Credit Union is a federally insured credit union (NCUA charter 8822): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Dover-Phila Federal Credit Union's key safety ratios?
For Q2 2026, Dover-Phila Federal Credit Union reports net worth 13.28%, delinquency 0.91%, ROA 1.42%, loan-to-share 39.82%.
What happens to my money if Dover-Phila Federal Credit Union fails?
For Q2 2026, Dover-Phila Federal Credit Union held $718.6M in shares and deposits for 34,310 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.