PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Delta Community

Atlanta, GA · Charter 66357

NCUA · 35 branches

Q2 2026

$9.1BAssets
$6.7BLoans
$8.0BShares
$1.1BNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.17%, up 28 bps year over year; NIM at 3.43%.
  • Asset quality: problem loans at 0.22% of loans (0 bps YoY).
  • Capital: net worth / assets of 12.58%, up 51 bps from a year ago.
  • Funding: loans stand at 83.68% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.17%+28 bps YoY

Net Interest Margin (quarter, annualized)

3.43%+38 bps YoY

Efficiency Ratio (quarter, annualized)

70.16%-604 bps YoY

Net Worth / Assets

12.58%+51 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.88%0.83%0.79%0.98%1.17%+28 bps
Return on Equity7.33%6.75%6.45%8.06%9.29%+196 bps
Net Interest Margin3.05%3.15%3.19%3.35%3.43%+38 bps
Efficiency Ratio76.20%75.97%77.42%71.51%70.16%-604 bps
Growth
Asset Growth (YoY)2.75%2.47%3.21%2.60%3.24%+48 bps
Loan Growth (YoY)4.74%8.04%9.77%12.92%13.74%+900 bps
Share Growth (YoY)2.76%2.46%1.68%1.50%2.38%-38 bps
Asset Quality
Delinquent Loans / Loans0.22%0.28%0.29%0.18%0.22%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital12.07%12.24%12.26%12.22%12.58%+51 bps
Net Worth / Assets12.07%12.24%12.26%12.22%12.58%+51 bps
Liquidity & Funding
Loans / Shares75.33%78.38%79.65%79.25%83.68%+836 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps