# DOVER-PHILA
Dover, OH · NCUA charter 8822 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/dover-phila-8822

Who the members are: federal charter, community charter, organized 1953. 34,200 members of 92,000 potential (37.2% of the field); checking penetration 80% (share draft accounts per 100 members); loans per 100 members 43.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $800.3M |
| Members | 34,200 (0.6% YoY) |
| Full-time staff | 84 |
| Net worth | $105.1M |
| Net worth ratio | 13.1% (p83 of band) |
| ROA (annualized) | 1.65% (p94 of band) |
| Total delinquency | 0.67% (p59 of band) |
| Net charge-offs (annualized) | 0.17% (p17 of band) |
| Loans / shares | 40% (p3 of band) |
| Cash / assets | 16.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.49% (p4 of band) |
| Operating expense / assets | 1.83% (p4 of band) |
| Vehicles % of loans | 25% (p42 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 5% |
| Third-party paper % of net worth | 14% (p23 of band) |
| Vehicle delinquency | 0.98% (p76 of band) |
| Vehicle NCO | 0.81% (p49 of band) |
| Repossessed % of vehicle book | 0.00% (p18 of band) |
| Real estate % of loans | 62% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 36% |
| Certificates % of member funds | 26% |
| Average share balance | $8,067 |
| Participations bought / yr | $109,528 |
| Participations sold / yr | $0 |
| Participations outstanding | $48.0M |
| Loans outstanding per 100 members | 43% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $19,570 |
| Loans granted, annualized | $69.3M |

## Participation posture (from the same filings)

Bought $109,528 and sold $0 in the latest annualized quarter; $48.0M outstanding purchased (45.7% of net worth), $59,878 sold and retained. Sold in 3 and bought in 8 of the last 8 quarters. Shares 6.9% year over year.

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | delinquency 2x band |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | net worth falling |  |
| 2017-06 | 1 |  | net worth falling |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 2 | net worth falling |  |
| 2018-06 | 1 |  | net worth falling |
| 2018-09 | 0 |  | delinquency 2x band |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | net worth falling |  |
| 2019-06 | 0 |  | net worth falling |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | net worth falling |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 0 |  | net worth falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 1 | net worth falling |  |
| 2021-06 | 0 |  | net worth falling |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 1 | delinquency rising |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 0 |  | delinquency rising |
| 2024-03 | 2 | net worth falling, delinquency rising |  |
| 2024-06 | 1 |  | net worth falling |
| 2024-09 | 0 |  | delinquency rising |
| 2024-12 | 0 |  |  |
| 2025-03 | 1 | net worth falling |  |
| 2025-06 | 0 |  | net worth falling |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | net worth falling |  |
| 2026-03 | 0 |  | net worth falling |

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

- 2020-11-04 [Dover-Phila Credit Union to offer financial program - Times Reporter](https://news.google.com/rss/articles/CBMisgFBVV95cUxOalVYeko2VjZudTFCRjB4Yk9vMHJWZ1BoV0pJYWdqekpfdU80YjYxRkwxUWVQbkFla215bXVxckVCSnprbF9SVlBmSkl6LWxIRnJjUWJCaWVWMlRZTmFHWnRfN2ZrQWxuZFRMTVJ2RldDeTktcWtCdHVwcmUySmpHVS1iSTFFTl93aXVyWE9GRDU5Vk9oczRabDg4SERrMzd2OTlFLXptVDh0OFVkOWprMGVn?oc=5) · Times Reporter
- 2025-08-28 [David Lee Andreatta Obituary Aug 28, 2025 - R.K. Lindsey Funeral Home](https://news.google.com/rss/articles/CBMiYkFVX3lxTE9mRDQtcWRXSXc2ejFLRE9XY05vTFZ3cE5DSHlLYUhJU3ozUjg2aXJuSzNRWkFvSzlwd1dKOUxBb1l1aF9XeEp6RTBvWl9iN1dMOVRLeUx6YTFtdUxzdmZYS1Zn?oc=5) · R.K. Lindsey Funeral Home
- 2023-07-26 [Luke William Cabbage Obituary Sep 11, 2017 - tolandherzig.com](https://news.google.com/rss/articles/CBMibEFVX3lxTFBDQ3g3eXVJQ3dZTlgzbDNFUUJmSFUwMEZjUlJKODVNUHUya2JfZUZtb3lIRmRBTDY1WVZBRlhnenc3M1RrT3M1TW12eURmNnNvUHJIaExYd0FiN1UzYm1YaVJFNHZfU25XWHNiOA?oc=5) · tolandherzig.com
- 2017-01-20 [Amanda Milburn Obituary Jan 20, 2017 - Geib Funeral Homes and Crematories](https://news.google.com/rss/articles/CBMiY0FVX3lxTFBMMl82SnJIVGtWeWhzWFZjcWJoMUU1bmRnb0YwLUZrREp2b0U0WVBVU2RuRXdwOGZ6U2hFcURobUJXd08wNFlyb3JkZzE2UXhSd2VFRy1yRi1KOXJvS0dWWTFoTQ?oc=5) · Geib Funeral Homes and Crematories
- 2019-08-19 [Jill Ann Hootman Obituary Aug 19, 2019 - tolandherzig.com](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE5ITjdMN3BMVWpLVnphbG04R0l3c0ZWR0pYNnpFc3p6TEpvS1hTNVAwbEhvTEdXNEFOWVhZU3lUWjdYNVFnb2tTbjMyQ2NSVlNJbXhYSkdhS2xvTFo2bTFrcXRhTS1wT3M?oc=5) · tolandherzig.com
- 2014-02-01 [Andreatta retires from Dover-Phila Federal Credit Union - Times Reporter](https://news.google.com/rss/articles/CBMipgFBVV95cUxNYXRhN3pFelpOVnRBUU5LOHNHX2t4R3RCZGduTFR2ZE1IUUhrZ1ZLUTN4VENKTFg3bkZnbG4zYW9XMEg4d1l3WktSNlVycnk3a25rWlBoUmRCZ2t0V2VVMGMtV1RFX2pVTEsxWmtHS2ZybENrN25aWFpXNG1UdlpmWjEtaUx1b3FlWEwyQXZKb3ZCY3o1T1hGWWFveDFSaTVoNV92UHFR?oc=5) · Times Reporter
- 2019-09-13 [Margaret “Mick” Mullen Obituary Sep 13, 2019 - Geib Funeral Homes and Crematories](https://news.google.com/rss/articles/CBMia0FVX3lxTE5Xa2VnS19Wd2VyaWdmbVEwVXRGT001X0M5b1JVNG9kVTRUWUNZWlRCcDk0Tk1oTVN0d1gwajhEQkh2OEZSZlA1T3NrXzhqbXc5NUxpbUpNZU9maEpUOTFIRzQxOWdKRTJIWG1r?oc=5) · Geib Funeral Homes and Crematories
- 2026-03-13 [Steven Richard Johnson - legacy.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxNRWhIR3E1aVozMFNuMGpUVGxTS2tIWmhiZjhpOHI3dUlPNDM4S2FFLU52T3lGMXVnTVJTR1V1NTdTd0NlNmR1eHVyZmJnWjJzYXAtZHN3akd3RnFWSG9Wd2haRHAxYU1EdFFyVXo0SEU5WlN3Uzhjd29UVGxOVW9YMDBPVQ?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=8822 (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/54.json (key "8822", 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=8822
- 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