Delta Federal Credit Union
Total assets
$8.8M
▲ +5.1% YoY
Shares & deposits
$6.2M
▲ +0.7% YoY
Loans
$3.2M
▲ +0.1% YoY
Members
1,731
▼ -0.3% YoY
ROA (annualized)
3.06%
peers 0.60%
ROE (annualized)
10.65%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.1% | +1.3% | +3.8 pts |
| Share growth (YoY) | +0.7% | +0.7% | +0.0 pts |
| Loan growth (YoY) | +0.1% | -2.4% | +2.5 pts |
| ROA | 3.06% | 0.60% | +2.5 pts |
| ROE | 10.6% | 4.1% | +6.5 pts |
ROA ranks in the 98th percentile of its peer group · Q1 2026
Profile
- Established
- 1957
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 2
- Address
- 2339 Highway 1 S, Greenville, MS, 38701
- NCUA charter #
- 24893
- RSSD ID
- 663188
- 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 | $8.8M | $6.2M | $3.2M | $2.5M | $67K | 3.06% | 6.73% | 0.42% | 1,731 |
| Q4 2025 | $8.5M | $6.0M | $3.4M | $2.5M | $269K | 3.16% | 7.02% | 0.21% | 1,733 |
| Q3 2025 | $8.6M | $6.2M | $3.3M | $2.4M | $223K | 3.44% | 6.93% | 0.13% | 1,712 |
| Q2 2025 | $8.5M | $6.3M | $3.1M | $2.2M | $52K | 1.22% | 6.87% | 0.49% | 1,737 |
| Q1 2025 | $8.4M | $6.1M | $3.2M | $2.2M | $51K | 2.43% | 6.99% | 2.67% | 1,737 |
| Q4 2024 | $8.3M | $6.1M | $3.3M | $2.2M | $201K | 2.41% | 6.53% | 3.43% | 1,764 |
| Q3 2024 | $8.3M | $6.1M | $3.1M | $2.2M | $166K | 2.67% | 6.46% | 1.12% | 1,724 |
| Q2 2024 | $8.3M | $6.2M | $3.2M | $2.1M | $82K | 1.97% | 6.17% | 1.33% | 1,727 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $2.5M · securities $5.2M
Ratio pack Q1 2026 · peer medians from 2508 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 3.06% | 0.60% | 98th | |
Return on equity Annualized net income ÷ equity or net worth | 10.6% | 4.1% | 87th | |
Net interest margin Interest income − interest expense, ÷ assets | 6.73% | 3.83% | 98th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.1% | 81.5% | 11th | |
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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