BlastPoint's Credit Union Scorecard
DELTA COMMUNITY
Charter #66357 · GA
DELTA COMMUNITY has 4 strengths but faces 2 concerns
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 39.6% in tier
- + Organic Growth Leader: Top 53.6% in tier
- + Net Interest Margin 0.24% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.17% below tier average
- - Efficiency ratio 12.62% above tier (higher cost structure)
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
529,036
+3.2% YoY+0.9% QoQ
|
+83.1K |
445,922
+0.4% YoY
|
30,943
+6.6% YoY
|
33,374
+5.7% YoY
|
73% |
| Assets |
$8.9B
+3.2% YoY+1.0% QoQ
|
$-927K |
$8.9B
+0.9% YoY
|
$501.1M
+9.5% YoY
|
$561.6M
+9.7% YoY
|
42% |
| Loans |
$6.3B
+9.8% YoY+2.4% QoQ
|
+$1.4M |
$6.3B
+0.8% YoY
|
$341.6M
+10.9% YoY
|
$397.0M
+8.8% YoY
|
39% |
| Deposits |
$7.9B
+1.7% YoY+0.8% QoQ
|
+$339.3M |
$7.5B
+1.2% YoY
|
$429.0M
+7.8% YoY
|
$477.3M
+9.7% YoY
|
54% |
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| ROA |
0.8%
+81.0% YoY-3.9% QoQ
|
-0.2% |
1.0%
+27.8% YoY
|
0.9%
+34.6% YoY
|
0.7%
+15.9% YoY
|
33% |
| NIM |
3.2%
+20.0% YoY+1.6% QoQ
|
+0.2% |
3.0%
+12.0% YoY
|
4.1%
+4.4% YoY
|
3.8%
+5.1% YoY
|
64% |
| Efficiency Ratio |
77.4%
-6.0% YoY+1.9% QoQ
|
+12.6% |
64.8%
-2.3% YoY
|
77.1%
-0.1% YoY
|
79.7%
-3.3% YoY
|
Top 12.1% in tier |
| Delinquency Rate |
0.3%
-3.4% YoY+4.4% QoQ
|
-0.4 |
0.7%
+5.5% YoY
|
1.2%
-6.4% YoY
|
1.3%
-2.1% YoY
|
15% |
| Loan To Share |
79.7%
+8.0% YoY+1.6% QoQ
|
-3.8% |
83.4%
-0.6% YoY
|
72.9%
+1.7% YoY
|
67.4%
-1.7% YoY
|
30% |
| AMR |
$26,685
+1.9% YoY+0.6% QoQ
|
$-8K |
$34,266
-1.7% YoY
|
$17,497
+5.6% YoY
|
$19,687
+2.0% YoY
|
21% |
| CD Concentration |
25.1%
-0.5% YoY+1.1% QoQ
|
-4.0% | 29.1% | 20.5% | 19.8% | 28% |
| Indirect Auto % | 0.0% | -17.1% | 17.1% | 4.4% | 7.8% | Bottom 0.0% 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 (<20%). 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)