Perhaps this is good for a Bugzilla – Bug
Then don’t use those tools 
If the issue only happens using those, that seems to point to the underlying issue (you state no delay in a regular terminal).
That’s not the point. Thunar and every other filemanager also has delays when opening folders for the first time.
Only in terminals you don’t get the directories listed after cd so need ls to get the delay in terminals.
I think I’ll open a bug in Bugzilla (if none exists for this problem)
Did you tried with “pcmanfm-qt” file manager?
dolphin can exhibit annoying behavior. What I do in case of trouble:
erlangen:~ # lsusb -s 002:004
Bus 002 Device 004: ID 05e3:0743 Genesys Logic, Inc. SDXC and microSDXC CardReader
erlangen:~ #
karl@erlangen:~> findmnt /media/LUMIX/
TARGET SOURCE FSTYPE OPTIONS
/media/LUMIX /dev/sdc1 exfat rw,nosuid,nodev,relatime,uid=1000,gid=100,fmask=0022,dmask=0022,iocharset=utf8,errors=remount-ro
karl@erlangen:~>
Opening folders in a new window always works instantaneously in my experience.
karl@erlangen:~> dolphin --new-window /media/LUMIX/DCIM/
karl@erlangen:~>
If you do submit a bug report, it would be good to post the link back here 
Thanks for the hint, but it’s not a problem of the filemanager.
Thanks for the hint, but in my case the SD-Reader is connected via PCI
*-pci:0
description: PCI bridge
product: Cannon Point-LP PCI Express Root Port #1
...
*-device
description: SD Card
product: SD256
vendor: SanDisk
physical id: aaaa
logical name: /dev/mmcblk0
...
*-volume
description: HPFS/NTFS partition
physical id: 1
logical name: /dev/mmcblk0p1
...
capabilities: primary
configuration: mount.fstype=exfat mount.options=rw,nosuid,nodev,relatime,uid=1000,gid=1000,fmask=0022,dmask=0022,iocharset=utf8,errors=remount-ro state=mounted
I did not yet open a bug in Bugzilla because I did find open bugs related to exFAT maybe the problem vanishes, when these bugs are solved.
When I open a bug I will post the link back here.
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I have just opened a bug in bugzilla for the problem
[Bug 1239535]