Wilmington Savings Fund Society, Fsb vs Delaware River & Bay Auth Emp
Comparing a Bank in Wilmington, DE with a Credit Union in New Castle, DE using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Wilmington Savings Fund Society, Fsb ↗ Bank · Wilmington, DE · Est. 1832 | Delaware River & Bay Auth Emp ↗ Credit Union · New Castle, DE · Est. 1965 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Bank | Credit Union |
| Location | Wilmington, DE | New Castle, DE |
| Total assets | $22.0B | $4.2M |
| Capital ratio | 12.1% | 25.1% |
| Return on assets | 1.7% | 1.4% |
| Deposits | $18.8B | — |
| Branches | 95 | 380 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #1 of 16 | #2 of 15 |
| Established | 1832 | 1965 |
Wilmington Savings Fund Society, Fsb
- Assets: $22.0B
- Deposits: $18.8B
- Capital ratio: 12.1%
- Return on assets: 1.7%
- CFPB complaints: 0
- State rank: #1 of 16
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. Wilmington Savings Fund Society, Fsb is FDIC-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, Wilmington Savings Fund Society, Fsb or Delaware River & Bay Auth Emp?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Wilmington Savings Fund Society, Fsb 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 Wilmington Savings Fund Society, Fsb safe?
Yes — Wilmington Savings Fund Society, Fsb is FDIC-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 (98/100), 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 Wilmington Savings Fund Society, Fsb vs Delaware River & Bay Auth Emp?
Wilmington Savings Fund Society, Fsb has a capital ratio of 12.1%, placing it in the top 38% of $10B–100B 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 Wilmington Savings Fund Society, Fsb have compared to Delaware River & Bay Auth Emp?
The CFPB database shows 0 complaints against Wilmington Savings Fund Society, Fsb, 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 Wilmington Savings Fund Society, Fsb with other Banks in Delaware
Financial data from FDIC and NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
