Delta
Greenville, MS · Charter 24893 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
$8.9MAssets
$3.1MLoans
$6.3MShares
$2.6MNet Worth
Executive Summary
- Strongest standing: return on assets outperforms 99% of credit unions under $1B in assets (rank 15 of 1683).
- Widest gap: nonperforming loans / loans trails 25% of credit unions under $1B in assets (rank 414 of 1682).
- Overall: at or above the peer median on 7 of 7 directional measures.
Return on Assets
2.75%
Rank 15 of 1,683
Net Interest Margin
6.39%
Rank 25 of 1,683
Efficiency Ratio
61.22%
Rank 207 of 1,682
Equity / Assets
29.19%
Rank 60 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.75% | 0.35% | 0.74% | 1.18% | Beats 99% | 15 / 1,683 | | |
| Return on Equity | 9.43% | 2.67% | 5.89% | 8.74% | Beats 80% | 334 / 1,681 | | |
| Net Interest Margin | 6.39% | 3.31% | 3.82% | 4.32% | Beats 99% | 25 / 1,683 | | |
| Efficiency Ratio | 61.22% | 68.91% | 78.20% | 86.93% | Beats 88% | 207 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.26% | 0.26% | 0.65% | 1.29% | Beats 75% | 414 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 29.19% | 10.44% | 12.89% | 16.53% | Beats 96% | 60 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 29.19% | 10.44% | 12.89% | 16.53% | Beats 96% | 60 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 49.88% | 52.61% | 69.38% | 83.50% | 21st pctl | 1,326 / 1,683 | | |
| Loans / Assets | 35.24% | 44.71% | 59.18% | 70.72% | 13th pctl | 1,462 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |