BlastPoint's Credit Union Scorecard
DELTA REFINING CO EMP
Charter #9310 · TN
DELTA REFINING CO EMP has 1 strength but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.91% below tier average
- - Efficiency ratio 17.59% above tier (higher cost structure)
- - Member decline: -6.6% YoY
- - Loan Growth Rate: Bottom 3.3% in tier
- - Members Per Employee (MPE): Bottom 5.0% in tier
- - Total Members: Bottom 6.5% in tier
- - Loan-to-Share Ratio: Bottom 9.3% in tier
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 2,437 credit unions with under $100M in assets nationally, and 1 of 84 that size in Tennessee.
- Shares and deposits -1.2% year over year ($3.6M in shares and deposits).
- Membership: 253 members, -6.6% vs a year ago.
- Delinquency rate 0.00%.
- Return on assets 0.59%.
- Efficiency ratio 106.35% vs a 88.77% peer average.
- Loan-to-share ratio 27.68% vs a 58.89% 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 (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
253
-6.6% YoY-2.3% QoQ
|
-2.3K |
2,585
-1.7% YoY
|
22,058
+4.8% YoY
|
34,678
+6.6% YoY
|
Bottom 6.4% in tier |
| Assets |
$4.6M
-1.5% YoY-2.1% QoQ
|
$-25.7M |
$30.3M
+1.5% YoY
|
$390.3M
+9.5% YoY
|
$593.1M
+10.2% YoY
|
18% |
| Loans |
$1.0M
-27.7% YoY-5.9% QoQ
|
$-14.5M |
$15.5M
-1.7% YoY
|
$289.3M
+8.5% YoY
|
$418.6M
+10.1% YoY
|
Bottom 11.4% in tier |
| Deposits |
$3.6M
-1.2% YoY-2.8% QoQ
|
$-22.2M |
$25.8M
+1.1% YoY
|
$326.4M
+8.9% YoY
|
$504.8M
+10.3% YoY
|
18% |
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| ROA |
0.6%
+147.8% YoY-175.9% QoQ
|
-0.9% |
1.5%
+241.5% YoY
|
1.1%
+46.9% YoY
|
1.2%
+121.4% YoY
|
36% |
| NIM |
2.8%
-6.6% YoY-1.6% QoQ
|
-1.1% |
3.9%
+0.9% YoY
|
3.9%
+2.1% YoY
|
3.8%
+2.3% YoY
|
Bottom 11.2% in tier |
| Efficiency Ratio |
106.4%
+24.9% YoY+9.6% QoQ
|
+17.6% |
88.8%
-6.9% YoY
|
78.9%
+2.6% YoY
|
83.0%
-5.3% YoY
|
Bottom 9.8% in tier |
| Delinquency Rate |
0.0%
-100.0% YoY-100.0% QoQ
|
-1.5 |
1.5%
+2.1% YoY
|
1.1%
-1.7% YoY
|
1.3%
+2.6% YoY
|
Top 0.1% in tier |
| Loan To Share |
27.7%
-26.8% YoY-3.3% QoQ
|
-31.2% |
58.9%
-3.1% YoY
|
68.7%
-1.7% YoY
|
66.4%
-1.4% YoY
|
Bottom 9.2% in tier |
| AMR |
$18,249
-2.0% YoY-1.2% QoQ
|
+$3K |
$14,963
-6.8% YoY
|
$19,228
+3.5% YoY
|
$20,028
-0.9% YoY
|
70% |
| CD Concentration |
28.6%
+4.9% YoY+3.7% QoQ
|
+4.1% | 24.6% | 22.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 6.8% | 7.7% | 50% |
Signature Analysis
Strengths (0)
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)