BlastPoint's Credit Union Scorecard
DELTA REFINING CO EMP
Charter #9310 · TN
DELTA REFINING CO EMP has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Charge-Off Rate: Top 3.6% in tier
Key Concerns
Areas that may need attention
- - ROA 0.92% below tier average
- - Efficiency ratio 6.43% above tier (higher cost structure)
- - Member decline: -9.4% YoY
- - Loan Growth Rate: Bottom 4.3% in tier
- - Members Per Employee (MPE): Bottom 5.3% in tier
- - Asset Growth Rate: Bottom 6.2% in tier
- - Deposit Growth Rate: Bottom 6.3% in tier
- - Total Members: Bottom 6.5% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
259
-9.4% YoY-1.1% QoQ
|
-2.4K |
2,676
+1.6% YoY
|
21,412
+3.7% YoY
|
33,913
+5.7% YoY
|
Bottom 6.5% in tier |
| Assets |
$4.7M
-8.9% YoY+2.7% QoQ
|
$-25.5M |
$30.2M
+1.3% YoY
|
$379.6M
+8.7% YoY
|
$578.3M
+9.0% YoY
|
18% |
| Loans |
$1.1M
-23.8% YoY-2.3% QoQ
|
$-14.2M |
$15.3M
-2.0% YoY
|
$279.0M
+7.7% YoY
|
$402.4M
+8.7% YoY
|
Bottom 11.8% in tier |
| Deposits |
$3.7M
-10.4% YoY+4.0% QoQ
|
$-22.1M |
$25.8M
+0.7% YoY
|
$319.1M
+8.0% YoY
|
$494.3M
+9.1% YoY
|
18% |
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| ROA |
-0.8%
+271.5% QoQ
|
-0.9% |
0.1%
-77.6% YoY
|
0.6%
-5.0% YoY
|
0.4%
-39.2% YoY
|
Bottom 9.8% in tier |
| NIM |
2.8%
-1.1% YoY-9.9% QoQ
|
-1.2% |
4.0%
+4.0% YoY
|
3.9%
+5.1% YoY
|
3.8%
+4.1% YoY
|
Bottom 13.5% in tier |
| Efficiency Ratio |
97.1%
+13.6% YoY+10.4% QoQ
|
+6.4% |
90.6%
+6.5% YoY
|
79.6%
+1.7% YoY
|
84.6%
+2.8% YoY
|
81% |
| Delinquency Rate |
0.4%
-71.7% YoY-17.3% QoQ
|
-1.1 |
1.5%
+3.8% YoY
|
0.9%
-14.5% YoY
|
1.2%
+3.4% YoY
|
38% |
| Loan To Share |
28.6%
-14.9% YoY-6.0% QoQ
|
-29.9% |
58.5%
-3.0% YoY
|
68.3%
-1.5% YoY
|
65.6%
-1.4% YoY
|
Bottom 10.1% in tier |
| AMR |
$18,467
-4.8% YoY+3.7% QoQ
|
+$4K |
$14,884
-1.7% YoY
|
$18,957
+3.0% YoY
|
$19,920
+1.6% YoY
|
71% |
| CD Concentration |
27.6%
+15.8% YoY-3.0% QoQ
|
+3.3% | 24.3% | 22.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 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)