DELTA COMMUNITY

Charter #66357 | GA

7B-10B (30 CUs) Large (64 CUs)
1 7B-10B in GA

DELTA COMMUNITY has 6 strengths but faces 5 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 18.9% in tier
  • + Organic Growth Leader: Top 24.1% in tier
  • + Relationship Depth Leader: Top 28.2% in tier
  • + Wallet Share Momentum: Top 29.1% in tier
  • + Net Interest Margin 0.15% above tier average
  • + Indirect Auto Concentration (%): Top 0.0% in tier

Key Concerns

Areas that may need attention

  • - Growth-at-Risk: Bottom 19.6% in tier
  • - Credit Quality Pressure: Bottom 27.0% in tier
  • - Liquidity Overhang: Bottom 30.9% in tier
  • - ROA 0.20% below tier average
  • - Efficiency ratio 12.24% above tier (higher cost structure)

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Members 524,276
+2.6% YoY+0.8% QoQ
 +65.0K 459,296
+3.8% YoY
 30,529
+3.7% YoY
 33,089
+6.1% YoY
 70th in tier
Assets $8.8B
+2.5% YoY+0.0% QoQ
 $-83.1M $8.9B
+1.2% YoY
 $489.5M
+5.8% YoY
 $547.7M
+7.8% YoY
 37th in tier
Loans $6.1B
+8.0% YoY+3.5% QoQ
 $-229.9M $6.3B
+2.9% YoY
 $335.0M
+9.2% YoY
 $388.7M
+8.6% YoY
 37th in tier
Deposits $7.8B
+2.5% YoY-0.5% QoQ
 +$343.0M $7.5B
+2.3% YoY
 $419.7M
+4.9% YoY
 $464.6M
+9.3% YoY
 53rd in tier
ROA 0.8%
+103.2% YoY-6.1% QoQ
 -0.2% 1.0%
+22.1% YoY
 1.1%
+41.8% YoY
 0.7%
+273.4% YoY
 30th in tier
NIM 3.2%
+20.1% YoY+3.7% QoQ
 +0.1% 3.0%
+11.5% YoY
 4.2%
+4.4% YoY
 3.7%
+5.0% YoY
 53rd in tier
Efficiency Ratio 76.0%
-8.7% YoY-0.3% QoQ
 +12.2% 63.7%
-2.2% YoY
 76.7%
+1.1% YoY
 79.1%
-3.3% YoY
 Top 16.7% in tier
Delinquency Rate 0.3%
+0.5% YoY+24.8% QoQ
 -0.4 0.7%
+10.8% YoY
 1.3%
+2.5% YoY
 1.2%
-0.9% YoY
 Bottom 13.3% in tier
Loan To Share 78.4%
+5.5% YoY+4.1% QoQ
 -7.1% 85.4%
+0.7% YoY
 72.3%
+1.1% YoY
 68.0%
-1.7% YoY
 30th in tier
AMR $26,528
+2.2% YoY+0.4% QoQ
 $-7K $33,660
-2.9% YoY
 $17,296
+4.1% YoY
 $19,418
+1.3% YoY
 27th in tier
CD Concentration 24.9%
+1.9% YoY+3.4% QoQ
 -4.0% 28.9%
-1.3% YoY
 19.9%
+4.7% YoY
 19.6%
+6.2% YoY
 28th in tier
Indirect Auto % 0.0% -16.6% 16.6%
-10.3% YoY
 4.6%
+4.3% YoY
 7.9%
-2.9% YoY
 Bottom 0.0% in tier

Signature Analysis

Strengths (4)

Organic Growth Engine

growth
#29 of 50 • Top 18.9% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 2.61%
(Tier: 3.07%, National: 9.37%)
but worse than tier avg
Return on Assets: 0.83%
(Tier: 0.91%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 0.00%
(Tier: 16.60%, National: 7.90%)
better than tier avg
50 of 64 Large CUs have this signature | 917 nationally
→ Stable (52→50 CUs) -2 CUs YoY

Organic Growth Leader

growth
#21 of 28 • Top 24.1% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 2.61%
(Tier: 3.07%, National: 9.37%)
but worse than tier avg
28 of 64 Large CUs have this signature | 608 nationally
→ Stable (28→28 CUs) | Rank worsening

Relationship Depth Leader

growth
#34 of 46 • Top 28.2% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 2.17%
(Tier: 2.82%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $3.1K
(Tier: $3.2K, National: $2.0K)
but worse than tier avg
46 of 64 Large CUs have this signature | 1330 nationally
↑ Growing +18 CUs YoY | New qualifier

Wallet Share Momentum

growth
#35 of 46 • Top 29.1% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 2.17%
(Tier: 2.82%, National: 4.19%)
but worse than tier avg
46 of 64 Large CUs have this signature | 1330 nationally
↑ Growing +18 CUs YoY | New qualifier

Concerns (3)

Growth-at-Risk

risk
#20 of 25 • Bottom 19.6% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 8.04%
(Tier: 4.99%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.00% points
(Tier: 0.04% points, National: 0.07% points)
but better than tier avg
25 of 64 Large CUs have this signature | 646 nationally
↓ Shrinking -13 CUs YoY | New qualifier

Credit Quality Pressure

risk
#34 of 34 • Bottom 27.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.00% points
(Tier: 0.04% points, National: 0.07% points)
but better than tier avg
34 of 64 Large CUs have this signature | 1002 nationally
↓ Shrinking -17 CUs YoY | New qualifier

Liquidity Overhang

risk
#18 of 24 • Bottom 30.9% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 12.24%
(Tier: 11.62%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 78.38%
(Tier: 84.48%, National: 67.96%)
worse than tier avg
24 of 64 Large CUs have this signature | 691 nationally
↑ Growing +7 CUs YoY | New qualifier

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)

Comparing against 30 peers in tier

Top Strengths (3 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 18.85%
#1 of 30 Top 0.0% in 7B-10B tier
5
Total Delinquency Rate (60+ days)
risk
Value: 0.28%
Peer Avg: 0.67%
#5 of 30 Top 13.3% in 7B-10B tier
8
Loan Growth Rate
growth
Value: 8.04%
Peer Avg: 3.91%
#8 of 30 Top 23.3% in 7B-10B tier

Top Weaknesses (1 metrics)

26
Efficiency Ratio
profitability
Value: 75.97%
Peer Avg: 63.73%
#26 of 30 Bottom 16.7% in 7B-10B tier