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 0.83% below tier average
- - Efficiency ratio 5.36% above tier (higher cost structure)
- - Member decline: -6.4% YoY
- - Loan Growth Rate: Bottom 2.0% in tier
- - Net Charge-Off Rate: Bottom 2.3% in tier
- - Members Per Employee (MPE): Bottom 4.4% in tier
- - AMR Growth Rate: Bottom 4.6% in tier
- - Asset Growth Rate: Bottom 4.9% in tier
- - Deposit Growth Rate: Bottom 5.0% in tier
- - Total Members: Bottom 6.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
262
-6.4% YoY-4.7% QoQ
|
-2.4K |
2,615
-1.9% YoY
|
21,265
+4.5% YoY
|
33,374
+5.7% YoY
|
Bottom 6.7% in tier |
| Assets |
$4.6M
-9.8% YoY+0.4% QoQ
|
$-25.6M |
$30.1M
+2.1% YoY
|
$372.5M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
18% |
| Loans |
$1.1M
-32.1% YoY-15.7% QoQ
|
$-14.7M |
$15.8M
-1.3% YoY
|
$275.7M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
Bottom 11.9% in tier |
| Deposits |
$3.6M
-11.9% YoY+1.1% QoQ
|
$-22.1M |
$25.7M
+1.4% YoY
|
$312.1M
+9.5% YoY
|
$477.3M
+9.7% YoY
|
18% |
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| ROA |
-0.2%
-164.5% YoY-167.5% QoQ
|
-0.8% |
0.6%
+10.8% YoY
|
0.7%
-5.8% YoY
|
0.7%
+15.9% YoY
|
Bottom 12.3% in tier |
| NIM |
3.1%
+12.2% YoY+0.3% QoQ
|
-0.8% |
4.0%
+4.0% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
22% |
| Efficiency Ratio |
87.9%
+5.5% YoY+2.8% QoQ
|
+5.4% |
82.6%
-2.3% YoY
|
79.4%
+2.9% YoY
|
79.7%
-3.3% YoY
|
70% |
| Delinquency Rate |
0.4%
-89.4% YoY-83.1% QoQ
|
-1.1 |
1.6%
-3.1% YoY
|
1.1%
-12.6% YoY
|
1.3%
-2.1% YoY
|
38% |
| Loan To Share |
30.4%
-23.0% YoY-16.7% QoQ
|
-30.2% |
60.6%
-3.1% YoY
|
70.0%
-2.2% YoY
|
67.4%
-1.7% YoY
|
Bottom 10.6% in tier |
| AMR |
$17,808
-12.0% YoY+1.4% QoQ
|
+$3K |
$14,783
-1.4% YoY
|
$18,770
+3.9% YoY
|
$19,687
+2.0% YoY
|
69% |
| CD Concentration |
28.5%
+19.0% YoY-0.1% QoQ
|
+4.1% | 24.4% | 22.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 6.7% | 7.8% | 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)