BlastPoint's Credit Union Scorecard
DELTA COMMUNITY
Charter #66357 · GA
DELTA COMMUNITY has 5 strengths but faces 1 concern
How does the industry compare?
What's your peer group doing?
How does GA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 23.4% in tier
- + Organic Growth Leader: Top 23.4% in tier
- + ROA 0.14% above tier average
- + Net Interest Margin 0.35% above tier average
- + Strong member growth: 5.2% YoY
Key Concerns
Areas that may need attention
- - Efficiency ratio 4.09% above tier (higher cost structure)
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 28 credit unions with $7B-$10B in assets nationally, and 1 of 1 that size in Georgia.
- Shares and deposits +2.4% year over year ($8.02B in shares and deposits).
- Membership: 547,012 members, +5.2% vs a year ago.
- Delinquency rate 0.22%.
- Return on assets 1.17%.
- Efficiency ratio 70.16% vs a 66.07% peer average.
- Loan-to-share ratio 83.68% vs a 81.29% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
547,012
+5.2% YoY+1.8% QoQ
|
+108.1K |
438,885
-1.1% YoY
|
32,666
+7.6% YoY
|
34,678
+6.6% YoY
|
79% |
| Assets |
$9.1B
+3.2% YoY-0.2% QoQ
|
+$202.0M |
$8.9B
+0.0% YoY
|
$529.0M
+8.4% YoY
|
$593.1M
+10.2% YoY
|
46% |
| Loans |
$6.7B
+13.7% YoY+4.9% QoQ
|
+$498.3M |
$6.2B
-0.6% YoY
|
$366.4M
+11.0% YoY
|
$418.6M
+10.1% YoY
|
50% |
| Deposits |
$8.0B
+2.4% YoY-0.6% QoQ
|
+$367.0M |
$7.7B
+2.7% YoY
|
$453.8M
+8.0% YoY
|
$504.8M
+10.3% YoY
|
57% |
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| ROA |
1.2%
+32.6% YoY+18.7% QoQ
|
+0.1% |
1.0%
+4.7% YoY
|
1.1%
+36.8% YoY
|
1.2%
+121.4% YoY
|
64% |
| NIM |
3.4%
+12.8% YoY+2.5% QoQ
|
+0.4% |
3.1%
+6.6% YoY
|
4.1%
-0.3% YoY
|
3.8%
+2.3% YoY
|
68% |
| Efficiency Ratio |
70.2%
-7.9% YoY-1.9% QoQ
|
+4.1% |
66.1%
+1.6% YoY
|
78.8%
-0.4% YoY
|
83.0%
-5.3% YoY
|
68% |
| Delinquency Rate |
0.2%
-0.4% YoY+22.2% QoQ
|
-0.6 |
0.8%
+23.1% YoY
|
1.5%
+41.3% YoY
|
1.3%
+2.6% YoY
|
Top 10.7% in tier |
| Loan To Share |
83.7%
+11.1% YoY+5.6% QoQ
|
+2.4% |
81.3%
-3.8% YoY
|
70.2%
-1.6% YoY
|
66.4%
-1.4% YoY
|
50% |
| AMR |
$26,942
+2.0% YoY-0.0% QoQ
|
$-10K |
$37,279
+8.1% YoY
|
$17,498
+1.4% YoY
|
$20,028
-0.9% YoY
|
21% |
| CD Concentration |
24.9%
+3.5% YoY-0.3% QoQ
|
-3.5% | 28.3% | 20.2% | 20.0% | 32% |
| Indirect Auto % | 0.0% | -16.8% | 16.8% | 4.3% | 7.7% | Top 0.1% in tier |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Concerns (0)
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)