# DELAWARE STATE POLICE
Georgetown, DE · NCUA charter 13791 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/delaware-state-police-13791

Who the members are: federal charter, multiple common bond, organized 1960. 7,805 members of 31,220 potential (25.0% of the field); checking penetration 66% (share draft accounts per 100 members); loans per 100 members 39.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $139.3M |
| Members | 7,805 (-9.4% YoY) |
| Full-time staff | 22 |
| Net worth | $15.3M |
| Net worth ratio | 11.0% (p40 of band) |
| ROA (annualized) | 0.55% (p40 of band) |
| Total delinquency | 1.11% (p77 of band) |
| Net charge-offs (annualized) | 0.31% (p46 of band) |
| Loans / shares | 43% (p11 of band) |
| Cash / assets | 13.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.90% (p11 of band) |
| Operating expense / assets | 3.02% (p27 of band) |
| Vehicles % of loans | 34% (p45 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 15% (p45 of band) |
| Vehicle delinquency | 0.27% (p27 of band) |
| Vehicle NCO | 0.94% (p71 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 49% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 12% |
| Commercial % of net worth | 16% |
| Core shares % of member funds | 66% |
| Certificates % of member funds | 16% |
| Average share balance | $7,772 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $4.8M |
| Loans outstanding per 100 members | 39% |
| Loans granted per 100 members, annualized | 6% |
| Average loan balance | $17,646 |
| Loans granted, annualized | $11.4M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $4.8M outstanding purchased (31.3% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 1.0% year over year.

## Flags firing in the latest filing

- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | delinquency 2x band |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 3 | delinquency rising, charge-offs p90 |  |
| 2017-06 | 3 | losing money | delinquency rising |
| 2017-09 | 3 |  |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 2 | assets shrinking | charge-offs p90, losing money |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 3 | losing money, delinquency rising | assets shrinking |
| 2019-06 | 2 |  | delinquency rising |
| 2019-09 | 2 |  |  |
| 2019-12 | 4 | net worth falling, charge-offs p90 |  |
| 2020-03 | 5 | thin capital |  |
| 2020-06 | 5 |  |  |
| 2020-09 | 4 |  | charge-offs p90 |
| 2020-12 | 5 | margin squeeze |  |
| 2021-03 | 8 | capital below 7%, members leaving |  |
| 2021-06 | 9 | loan book shrinking |  |
| 2021-09 | 7 |  | margin squeeze, loan book shrinking |
| 2021-12 | 6 |  | losing money |
| 2022-03 | 6 | charge-offs p90 | net worth falling |
| 2022-06 | 5 |  | charge-offs p90 |
| 2022-09 | 6 | assets shrinking |  |
| 2022-12 | 4 |  | capital below 7% |
| 2023-03 | 3 |  | delinquency 2x band |
| 2023-06 | 1 |  | thin capital, members leaving |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 0 |  | assets shrinking |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 1 | delinquency rising |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 3 | net worth falling, delinquency 2x band |  |
| 2025-09 | 1 |  | net worth falling, delinquency 2x band |
| 2025-12 | 3 | delinquency 2x band, members leaving |  |
| 2026-03 | 1 |  | delinquency rising, delinquency 2x band |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-02-22 [State Police Arrest New Castle Man for Attempted Bank Robbery - Delaware State Police (.gov)](https://news.google.com/rss/articles/CBMinwFBVV95cUxPWkV4MDlkMGdDT1F5bWk4bVFNZHJFa3Z1TlBZM254Qm5rMUNlSkw5NVFlR1NfMVVtZk05TS1iZ0VBQzlOWElrZTlTN1Y3dmJSTlNNSWJNblBrRDZPOFZsODVtVlRBY3RUTnFaUTMzd0tGT3RWSklJNlZBWWZnMkZBRGkwclhIazZEMW9nZnNLVzVWcVlIcm1sV3QzRHoycU0?oc=5) · Delaware State Police (.gov)
- 2026-07-29 [Delaware State Police Bring Back School Supply Drive - Eastern Shore Undercover](https://news.google.com/rss/articles/CBMipgFBVV95cUxNSU9XUmlobWlPMUw5b05ZdnBESmMzTjF4T29GOE90aU93dmowa2xqMVlzbEkycEI5b21Hakc0X290UTR0aVFfQWJyQkptVWlUM1M3YlJSZE5BYmxvVlcwOG5ScWJKZm5MSWt4V0daeWdvLXZXemthWkFta29GcW5RWnM0QUczcmhtbHUwZnQ1Mkx5RjBsR1RnY19DWFZELWdSM2djQzJ3?oc=5) · Eastern Shore Undercover
- 2026-02-03 [John "Jack" F. Clark Obituary (2026) - Harrington, DE - Thomas E. Melvin & Son Funeral Home, Inc. - Harrington - legacy.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxNYnhlVm81Z2pIZ1NuRUZVUkxranMzUWRjM3hOLTBQMm0tR0ttOVpkbE1GQ1BPN3ctcWtjOEpQRUlZejJHSHJ0RTdJVHE0QTBmZWVMbW80OTdqUTdWby1sX3ZaazI5ZFRnR0dtS1ZDTUZvblFvczg2YTZUMUJmRWxxQVdsSFQ?oc=5) · legacy.com
- 2018-07-09 [William F. Matt Obituary Jul 9, 2018 - Melson Funeral Services](https://news.google.com/rss/articles/CBMia0FVX3lxTE9DeGlYcEhSUE5NZWhsYmlXUHlwR2pDMV9EV2FyZ3F3cXRuXy00WGVuU2ZXdlY1OVFxVHhOeGtSdmRsd2NTZ1d6bXJIcDZlZFZPQVBWOE5vQTBMay1xY0VIVU40WlRiM3AwMzR3?oc=5) · Melson Funeral Services
- 2013-03-22 [Thomas Andrew Roth "ANDY"'s Obituary, Visitation & Funeral Information - Parsell Funeral Homes & Crematorium](https://news.google.com/rss/articles/CBMigwFBVV95cUxQSWZReEVaZEpkSTJBcnFHQkJlT2FraXc3OWE0SEI5Q1N3SEtnZC1WS2JES1FrYlRta2g3X3FnSk1KOUQ5eHZXZ0t4NG1vVkpodzRnSjJDanh0ekNQSDlSeFpkQll1T0REek0tRS14RkwzZmZwdG1EWE1xTEVsbjhKMHhWWQ?oc=5) · Parsell Funeral Homes & Crematorium
- 2017-04-28 [Delaware State Police Set Up Memorial Fund for Trooper Gunned Down in Wawa Parking Lot - NBC10 Philadelphia](https://news.google.com/rss/articles/CBMimgFBVV95cUxOQXA4UUY2QVdtT0EzX1h5MUQyUTllY01KZDdyVF8xNkJBUDdMSVRuaXZKWTBjSllTMGU1RkZ1dGVJTUhORHFtNVMxQldxSHZpeTVKRzRGeFhyOU5qM2l1NmViVkpKVzBnN00zRllXdmNsSGxSWXhJcG9XMnV4X240cDBTX1ZISDdZUVIxM1dJaTJJZEprV1JNbjBn0gGiAUFVX3lxTE5CbVpBWFlPbG9hNkh3WFNlWkJoRUQtQlBrczhiU0xhR25oSnNWanVuZ2lwR2c5ZzUzZExoMVlBVTVwb1daWFpLZ19WdTVKZUNJbV83OHV0SnM5dEJQQTUyNElZLUh4dzVvckJHUlBhcEdRMXVBUTRiT2tWaFdSX3lhSWd4RVpJSFVOQ2tJX2d3b3lJRWtNcllmdmFkdFJKTWhjQQ?oc=5) · NBC10 Philadelphia
- 2020-04-26 [Capt. Allen Eugene Riley, ret. DSP's Obituary, Visitation & Funeral Information - Parsell Funeral Homes & Crematorium](https://news.google.com/rss/articles/CBMihwFBVV95cUxOWVcxOV9CZ1prVzVFWURIQzZOSTdvVHFXQjlEdnhiU0hZRVViRVp4N1BYNy1paEJlSzVtM2VKM3ZreG1lSjFLUEFodTFqbTdfV2tGVTVaTEFZS2VMblFJaUZ3OHFMdkVtdndLWWo5TnA4WXhGWmItcDk2Z2NaUjlRUXlZNVluTmM?oc=5) · Parsell Funeral Homes & Crematorium
- 2009-09-10 [CHRISTOPHER SHEA Obituary (2009) - Wilmington, DE - The News Journal - legacy.com](https://news.google.com/rss/articles/CBMimgFBVV95cUxOamJGYU1pUXFNbmhHYktSS0xLRzFCZEdSZ2M0QkFDeERXaFh1am5jQU1HckNPSzMyVWJzZDd1UXpjajJDMElYZHdhSXlKWkY4T3RHOTRlS1lMYkE1cTBzQVgxel9IM19iYmVDaE9qMEhLaXBYc1FEbHBMWHBoVTdWZ2ROQTMtMGpleXZyUy1pNXdSNFByN0J4elln?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=13791 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/31.json (key "13791", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=13791
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide