DELTA REFINING CO EMP
Charter #9310 | TN
<100M
(2596 CUs)
Micro
($0-$500M)
88 <100M in 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
|
Bottom 17.9% in tier |
| 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
|
Bottom 17.8% in tier |
| 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
|
28th in tier |
| 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
|
Bottom 21.0% in tier |
| 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
|
68th in tier |
| 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
|
Bottom 15.6% in tier |
| 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
|
70th in tier |
| 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
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
6.9%
+1.1% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (3 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
411
Net Worth Ratio
risk
Value:
22.31%
Peer Avg: 16.43%
#411 of 2596
Top 15.8% in <100M tier
Top Weaknesses (16 metrics)
2505
Loan Growth Rate
growth
Value:
-26.18%
Peer Avg: 59.01%
#2505 of 2596
Bottom 3.5% in <100M tier
2486
Deposit Growth Rate
growth
Value:
-13.27%
Peer Avg: 16.80%
#2486 of 2596
Bottom 4.3% in <100M tier
2480
Members Per Employee (MPE)
engagement
Value:
68.750
Peer Avg: 365.701
#2480 of 2596
Bottom 4.5% in <100M tier
2476
Asset Growth Rate
growth
Value:
-10.76%
Peer Avg: 1.82%
#2476 of 2596
Bottom 4.7% in <100M tier
2466
AMR Growth Rate
growth
Value:
-12.93%
Peer Avg: 4.67%
#2466 of 2596
Bottom 5.0% in <100M tier
2409
Total Members
engagement
Value:
275
Peer Avg: 2,626
#2409 of 2596
Bottom 7.2% in <100M tier
2251
Total Loans
balance_sheet
Value:
$1.29M
Peer Avg: $15.77M
#2251 of 2596
Bottom 13.3% in <100M tier
2227
Total Delinquency Rate (60+ days)
risk
Value:
2.63%
Peer Avg: 1.51%
#2227 of 2596
Bottom 14.3% in <100M tier
2187
Loan-to-Share Ratio
balance_sheet
Value:
36.52%
Peer Avg: 61.23%
#2187 of 2596
Bottom 15.8% in <100M tier
2137
Member Growth Rate
growth
Value:
-4.84%
Peer Avg: 14.92%
#2137 of 2596
Bottom 17.7% in <100M tier