Tidemark vs Delaware River & Bay Auth Emp
Comparing a Credit Union in Seaford, DE with a Credit Union in New Castle, DE using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Tidemark ↗ Credit Union · Seaford, DE · Est. 1959 | Delaware River & Bay Auth Emp ↗ Credit Union · New Castle, DE · Est. 1965 | |
|---|---|---|
| Trust Grade | A · 93/100 | A · 98/100 |
| Institution type | Credit Union | Credit Union |
| Location | Seaford, DE | New Castle, DE |
| Total assets | $470.8M | $4.2M |
| Net worth ratio | 14.1% | 25.1% |
| Return on assets | 0.3% | 1.4% |
| Shares & deposits | — | — |
| Members | 22,105 | 380 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #5 of 15 | #2 of 15 |
| Established | 1959 | 1965 |
Tidemark
- Assets: $470.8M
- Members: 22,105
- Capital ratio: 14.1%
- Return on assets: 0.3%
- CFPB complaints: 0
- State rank: #5 of 15
Delaware River & Bay Auth Emp
- Assets: $4.2M
- Members: 380
- Capital ratio: 25.1%
- Return on assets: 1.4%
- CFPB complaints: 0
- State rank: #2 of 15
Are both institutions federally insured?
Yes. Tidemark is NCUA-insured and Delaware River & Bay Auth Emp is NCUA-insured. Both protect deposits up to $250,000 per depositor, per ownership category, regardless of Trust Grade. The Trust Grade reflects financial strength and complaint history — not the safety of insured deposits. Estimate your coverage →
Frequently asked questions
Which is better, Tidemark or Delaware River & Bay Auth Emp?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Delaware River & Bay Auth Emp scores higher with a grade of A (98/100). However, "better" depends on your needs: if you prioritize branch access, local service, or membership eligibility for a credit union, the lower-scoring option may still be the right choice for you.
Is Tidemark safe?
Yes — Tidemark is NCUA-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected regardless of the institution's Trust Grade. Its Trust Grade is A (93/100), reflecting its financial strength and complaint history relative to peers.
Is Delaware River & Bay Auth Emp safe?
Yes — Delaware River & Bay Auth Emp is NCUA-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (98/100).
What is the capital ratio of Tidemark vs Delaware River & Bay Auth Emp?
Tidemark has a net worth ratio of 14.1%, placing it in the top 18% of $100M–1B peers. Delaware River & Bay Auth Emp's ratio is 25.1%, placing it in the top 11% of <$100M peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Tidemark have compared to Delaware River & Bay Auth Emp?
The CFPB database shows 0 complaints against Tidemark, and 0 complaints against Delaware River & Bay Auth Emp. The per-$1B rate adjusts for institution size and is a more meaningful comparison metric.
How does Bankzia calculate the Trust Grade?
The Trust Grade combines a financial strength score (based on capital ratio, return on assets, and other FDIC/NCUA metrics) with a customer experience score derived from CFPB complaint data. The scores are weighted and normalized within peer groups by institution size and type. See our full methodology for details.
Compare Tidemark with other Credit Unions in Delaware
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
