DELTA
Charter #24893 | MS
<100M
(2596 CUs)
Micro
($0-$500M)
41 <100M in MS
DELTA demonstrates 7 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 2.78% above tier average
- + Net Interest Margin 3.04% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 7.3% in tier
- + Efficiency Ratio: Top 9.7% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,712
-0.7% YoY-1.4% QoQ
|
-913 |
2,625
-2.2% YoY
|
14,577
+18.5% YoY
|
33,089
+6.1% YoY
|
45th in tier |
| Assets |
$8.6M
+3.9% YoY+1.3% QoQ
|
$-21.2M |
$29.9M
+1.1% YoY
|
$171.7M
+26.4% YoY
|
$547.7M
+7.8% YoY
|
29th in tier |
| Loans |
$3.3M
+6.9% YoY+6.3% QoQ
|
$-12.4M |
$15.8M
-2.4% YoY
|
$115.7M
+25.1% YoY
|
$388.7M
+8.6% YoY
|
26th in tier |
| Deposits |
$6.2M
+1.2% YoY-0.8% QoQ
|
$-19.2M |
$25.5M
+0.4% YoY
|
$135.7M
+26.5% YoY
|
$464.6M
+9.3% YoY
|
27th in tier |
| ROA |
3.5%
+29.8% YoY+180.6% QoQ
|
+2.8% |
0.7%
-731.4% YoY
|
0.9%
+335.0% YoY
|
0.7%
+273.4% YoY
|
Top 1.6% in tier |
| NIM |
7.0%
+7.9% YoY+0.7% QoQ
|
+3.0% |
3.9%
+3.8% YoY
|
4.4%
+3.2% YoY
|
3.7%
+5.0% YoY
|
Top 1.4% in tier |
| Efficiency Ratio |
55.4%
-6.5% YoY-3.2% QoQ
|
-26.0% |
81.4%
-2.4% YoY
|
78.7%
-9.5% YoY
|
79.1%
-3.3% YoY
|
Bottom 9.7% in tier |
| Delinquency Rate |
0.1%
-88.3% YoY-73.6% QoQ
|
-1.4 |
1.5%
-2.0% YoY
|
1.7%
-11.9% YoY
|
1.2%
-0.9% YoY
|
Bottom 23.0% in tier |
| Loan To Share |
53.6%
+5.7% YoY+7.1% QoQ
|
-7.6% |
61.2%
-3.0% YoY
|
68.6%
-0.4% YoY
|
68.0%
-1.7% YoY
|
38th in tier |
| AMR |
$5,578
+3.8% YoY+3.1% QoQ
|
$-9K |
$14,627
-2.7% YoY
|
$12,163
+4.6% YoY
|
$19,418
+1.3% YoY
|
Bottom 10.7% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
19.3%
+9.2% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
2.5%
+12.7% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)
Top Strengths (10 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
36
Net Interest Margin (NIM)
profitability
Value:
6.97%
Peer Avg: 3.93%
#36 of 2596
Top 1.3% in <100M tier
41
Return on Assets (ROA)
profitability
Value:
3.46%
Peer Avg: 0.68%
#41 of 2596
Top 1.5% in <100M tier
191
Net Worth Ratio
risk
Value:
28.00%
Peer Avg: 16.43%
#191 of 2596
Top 7.3% in <100M tier
252
Efficiency Ratio
profitability
Value:
55.36%
Peer Avg: 81.39%
#252 of 2596
Top 9.7% in <100M tier
423
Loan Growth Rate
growth
Value:
6.90%
Peer Avg: 59.01%
#423 of 2596
Top 16.3% in <100M tier
597
Total Delinquency Rate (60+ days)
risk
Value:
0.13%
Peer Avg: 1.51%
#597 of 2596
Top 23.0% in <100M tier
626
Members Per Employee (MPE)
engagement
Value:
428.000
Peer Avg: 365.701
#626 of 2596
Top 24.1% in <100M tier
Top Weaknesses (3 metrics)
2318
Average Member Relationship (AMR)
engagement
Value:
$5,578
Peer Avg: $14,627
#2318 of 2596
Bottom 10.7% in <100M tier
2274
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,947
Peer Avg: $5,488
#2274 of 2596
Bottom 12.4% in <100M tier
2269
Net Charge-Off Rate
risk
Value:
1.08%
Peer Avg: 0.57%
#2269 of 2596
Bottom 12.6% in <100M tier