BlastPoint's Credit Union Scorecard
DELTA COMMUNITY
Charter #66357 · GA
DELTA COMMUNITY has 3 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 32.8% in tier
- + Organic Growth Leader: Top 32.8% in tier
- + Net Interest Margin 0.29% above tier average
Key Concerns
Areas that may need attention
- - Efficiency ratio 5.45% above tier (higher cost structure)
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
537,196
+4.3% YoY+1.5% QoQ
|
+100.3K |
436,889
-2.3% YoY
|
31,952
+7.2% YoY
|
33,913
+5.7% YoY
|
72% |
| Assets |
$9.1B
+2.6% YoY+2.4% QoQ
|
+$234.1M |
$8.9B
-0.1% YoY
|
$522.8M
+8.6% YoY
|
$578.3M
+9.0% YoY
|
48% |
| Loans |
$6.4B
+12.9% YoY+2.2% QoQ
|
+$253.0M |
$6.1B
-1.1% YoY
|
$353.5M
+11.3% YoY
|
$402.4M
+8.7% YoY
|
48% |
| Deposits |
$8.1B
+1.5% YoY+2.8% QoQ
|
+$420.4M |
$7.7B
+1.8% YoY
|
$449.3M
+7.5% YoY
|
$494.3M
+9.1% YoY
|
55% |
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| ROA |
1.0%
+16.5% YoY+23.8% QoQ
|
+0.0% |
0.9%
+16.3% YoY
|
-0.2%
-137.4% YoY
|
0.4%
-39.2% YoY
|
59% |
| NIM |
3.3%
+13.7% YoY+4.4% QoQ
|
+0.3% |
3.1%
+6.3% YoY
|
3.6%
-10.9% YoY
|
3.8%
+4.1% YoY
|
66% |
| Efficiency Ratio |
71.5%
-8.3% YoY-7.6% QoQ
|
+5.5% |
66.1%
-2.8% YoY
|
81.8%
+0.6% YoY
|
84.6%
+2.8% YoY
|
66% |
| Delinquency Rate |
0.2%
-1.9% YoY-37.5% QoQ
|
-0.4 |
0.6%
+12.0% YoY
|
1.7%
+76.5% YoY
|
1.2%
+3.4% YoY
|
Top 10.3% in tier |
| Loan To Share |
79.3%
+11.2% YoY-0.5% QoQ
|
-1.1% |
80.4%
-3.4% YoY
|
70.0%
+1.3% YoY
|
65.6%
-1.4% YoY
|
34% |
| AMR |
$26,945
+1.9% YoY+1.0% QoQ
|
$-10K |
$37,056
+6.8% YoY
|
$17,441
+2.7% YoY
|
$19,920
+1.6% YoY
|
21% |
| CD Concentration |
24.9%
+3.1% YoY-0.8% QoQ
|
-3.7% | 28.6% | 20.0% | 19.8% | 32% |
| Indirect Auto % | 0.0% | -16.4% | 16.4% | 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)