Delta Community Credit Union
Total assets
$9.14B
▲ +2.6% YoY
Shares & deposits
$8.08B
▲ +1.5% YoY
Loans
$6.40B
▲ +12.9% YoY
Members
537,196
▲ +4.3% YoY
ROA (annualized)
0.98%
peers 0.71%
ROE (annualized)
8.06%
peers 6.28%
Peer comparison 450 credit unions with 1B-10B in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.6% | +5.1% | -2.5 pts |
| Share growth (YoY) | +1.5% | +4.9% | -3.4 pts |
| Loan growth (YoY) | +12.9% | +5.4% | +7.5 pts |
| ROA | 0.98% | 0.71% | +0.3 pts |
| ROE | 8.1% | 6.3% | +1.8 pts |
ROA ranks in the 73rd percentile of its peer group · Q1 2026
Profile
- Established
- 1940
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- 3250 Riverwood Pkwy Se, Atlanta, GA, 30339
- NCUA charter #
- 66357
- RSSD ID
- 112499
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $9.14B | $8.08B | $6.40B | $1.12B | $22.5M | 0.98% | 3.35% | 0.18% | 537,196 |
| Q4 2025 | $8.93B | $7.86B | $6.26B | $1.09B | $70.6M | 0.79% | 3.19% | 0.29% | 529,036 |
| Q3 2025 | $8.84B | $7.80B | $6.11B | $1.08B | $54.8M | 0.83% | 3.15% | 0.28% | 524,276 |
| Q2 2025 | $8.84B | $7.84B | $5.90B | $1.07B | $39.1M | 0.88% | 3.05% | 0.22% | 519,925 |
| Q1 2025 | $8.91B | $7.96B | $5.67B | $1.05B | $18.5M | 0.83% | 2.90% | 0.18% | 515,275 |
| Q4 2024 | $8.65B | $7.73B | $5.70B | $1.03B | $37.9M | 0.44% | 2.67% | 0.30% | 512,774 |
| Q3 2024 | $8.63B | $7.61B | $5.66B | $1.02B | $26.3M | 0.41% | 2.62% | 0.28% | 510,916 |
| Q2 2024 | $8.60B | $7.63B | $5.64B | $1.01B | $16.2M | 0.38% | 2.56% | 0.29% | 509,842 |
Loan mix (Q1 2026): real estate $3.26B · commercial $903.2M · consumer $2.15B · securities $1.97B
Ratio pack Q1 2026 · peer medians from 450 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.98% | 0.71% | 73th | |
Return on equity Annualized net income ÷ equity or net worth | 8.1% | 6.3% | 67th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.35% | 3.32% | 52th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.5% | 73.0% | 43th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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