A Delaware Rating Organizations Memorandum (FROM) is a document issued by a regulatory body in the state of Delaware to evaluate and rate the financial stability of a Delaware-based business or organization. The document consists of an assessment of the organization’s financial position, including its assets, liabilities, and capital structure. It also includes an analysis of the organization’s creditworthiness and the likelihood of it being able to meet its financial obligations. There are two types of Drums: the Delaware Financial Institutions Rating Memorandum (FIRM) and the Delaware Non-Financial Institutions Rating Memorandum (DN IRM). The FIRM rates a financial institution’s creditworthiness whilthenDIRRMMRM rates a non-financial institution’s creditworthinessFrommOM is widely used by creditors, investors, and other financial institutions to make decisions about providing credit or investing in Delaware-based businesses or organizations.