Delta Community
Atlanta, GA · Charter 66357 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 35 branches
Q2 2026
$9.1BAssets
$6.7BLoans
$8.0BShares
$1.1BNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 94% of credit unions $1B-$10B in assets (rank 27 of 435).
- Widest gap: net interest margin trails 47% of credit unions $1B-$10B in assets (rank 203 of 435).
- Overall: at or above the peer median on 7 of 7 directional measures.
Return on Assets
1.17%
Rank 95 of 435
Net Interest Margin
3.43%
Rank 203 of 435
Efficiency Ratio
70.16%
Rank 195 of 435
Equity / Assets
12.58%
Rank 111 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.17% | 0.55% | 0.81% | 1.14% | Beats 78% | 95 / 435 | |
| Return on Equity | 9.29% | 5.12% | 7.41% | 9.70% | Beats 72% | 123 / 435 | |
| Net Interest Margin | 3.43% | 3.01% | 3.39% | 3.75% | Beats 53% | 203 / 435 | |
| Efficiency Ratio | 70.16% | 65.25% | 71.39% | 77.86% | Beats 55% | 195 / 435 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.22% | 0.45% | 0.69% | 1.05% | Beats 94% | 27 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.58% | 9.81% | 10.84% | 12.63% | Beats 74% | 111 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.58% | 9.81% | 10.84% | 12.63% | Beats 74% | 111 / 435 | |
| Liquidity & Funding |
| Loans / Deposits | 83.68% | 78.33% | 88.38% | 95.61% | 37th pctl | 275 / 435 | |
| Loans / Assets | 73.61% | 67.69% | 74.58% | 80.80% | 46th pctl | 237 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |