BlastPoint's Credit Union Scorecard
DELTA REFINING CO EMP
Charter #9310 · TN
DELTA REFINING CO EMP has 2 strengths but faces 10 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.37% below tier average
- - Efficiency ratio 4.11% above tier (higher cost structure)
- - Delinquency rate 1.12% above tier average
- - Member decline: -4.8% YoY
- - Loan Growth Rate: Bottom 3.5% in tier
- - Deposit Growth Rate: Bottom 4.3% in tier
- - Members Per Employee (MPE): Bottom 4.5% in tier
- - Asset Growth Rate: Bottom 4.7% in tier
- - AMR Growth Rate: Bottom 5.0% in tier
- - Total Members: Bottom 7.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
275
-4.8% YoY+1.5% QoQ
|
-2.4K |
2,625
-2.2% YoY
|
21,139
+4.9% YoY
|
33,089
+6.1% YoY
|
Bottom 7.2% in tier |
| Assets |
$4.6M
-10.8% YoY-2.4% QoQ
|
$-25.3M |
$29.9M
+1.1% YoY
|
$362.5M
+9.5% YoY
|
$547.7M
+7.8% YoY
|
18% |
| Loans |
$1.3M
-26.2% YoY-6.7% QoQ
|
$-14.5M |
$15.8M
-2.4% YoY
|
$271.1M
+9.1% YoY
|
$388.7M
+8.6% YoY
|
Bottom 13.3% in tier |
| Deposits |
$3.5M
-13.3% YoY-3.3% QoQ
|
$-21.9M |
$25.5M
+0.4% YoY
|
$303.0M
+8.7% YoY
|
$464.6M
+9.3% YoY
|
18% |
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| ROA |
0.3%
-64.8% YoY+30.1% QoQ
|
-0.4% |
0.7%
-731.4% YoY
|
0.8%
+4.1% YoY
|
0.7%
+273.4% YoY
|
28% |
| NIM |
3.1%
+4.3% YoY+5.0% QoQ
|
-0.8% |
3.9%
+3.8% YoY
|
3.8%
+5.1% YoY
|
3.7%
+5.0% YoY
|
21% |
| Efficiency Ratio |
85.5%
+17.4% YoY+0.4% QoQ
|
+4.1% |
81.4%
-2.4% YoY
|
75.4%
-1.8% YoY
|
79.1%
-3.3% YoY
|
68% |
| Delinquency Rate |
2.6%
-17.5% YoY+103.0% QoQ
|
+1.1 |
1.5%
-2.0% YoY
|
1.1%
+8.5% YoY
|
1.2%
-0.9% YoY
|
Top 14.3% in tier |
| Loan To Share |
36.5%
-14.9% YoY-3.5% QoQ
|
-24.7% |
61.2%
-3.0% YoY
|
70.4%
-2.4% YoY
|
68.0%
-1.7% YoY
|
16% |
| AMR |
$17,561
-12.9% YoY-5.6% QoQ
|
+$3K |
$14,627
-2.7% YoY
|
$18,470
+2.4% YoY
|
$19,418
+1.3% YoY
|
70% |
| CD Concentration |
28.5%
+2.6% YoY+4.4% QoQ
|
+4.1% |
24.4%
+4.2% YoY
|
22.3%
+6.6% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
6.9%
+1.1% YoY
|
7.9%
-2.9% YoY
|
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)