Federal credit union · Greenville, Mississippi · NCUA charter #24893
DELTA
Health score 88/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $8.5M
- Total assets
- 1,733
- Members
- 28.7%
- Net-worth ratio
DELTA scores 88/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $8.5M; members 1,733; net-worth ratio 28.71%; health rank #1,368 of 4,374; healthier than 65th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#1,368 of 4,374 health · 2025Q4DELTA · health 88/100 · $8.5M · 2025Q4
Call Report peers
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
DELTA vs every NCUA-scored credit union
DELTA sits in the busiest band, 85-89, alongside 857 other credit unions.
88 Top 35% higher than 65% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Where DELTA diverges from peer averages
- Largest favorable gap: Net Worth Ratio at 28.71% vs peer 19.06% (+9.65 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -7.33 pp (56.27% vs 63.60%).
DELTA: in-state Call Report ranks
- Health composite ranks #20 of 55 among scored Mississippi credit unions.
- Mississippi assets place: #41 of 55.
- Mississippi membership ordinal: #35 of 55.
- One place up in Mississippi, AMPOT (#19) scores 89/100, 1 point higher; one place down, Camp Shelby (#21) ties at 88/100.
How DELTA's 5300 filing moved
DELTA: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.6% from $8.5M (2025Q4) to $8.8M (2026Q1).
- Net-worth ratio shifted -0.23 pp (28.94% → 28.71%).
This credit union's 28.71% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 88/100 score is built
DELTA gives up 12 points in total. Member Growth costs the most, 9.2 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 5.8 pts
- Loan-to-Share Ratio 12.2 pts
Call Report ratios for DELTA
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 28.71% | +9.65 pp |
| Delinquency Rate | 0.21% | -1.60 pp |
| Return on Assets | 2.36% | +1.91 pp |
| Member Growth | -1.76% | - |
| Loan-to-Share Ratio | 56.27% | -7.33 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
DELTA filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $8.8M | - |
| 2025Q4 | $8.5M | 1,733 |
| 2024Q4 | $8.3M | 1,764 |
| 2023Q4 | $8.3M | 1,803 |
Credit Union Details
- Charter Number
- 24893
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Mississippi
- City
- Greenville
- Data Quarter
- 2025Q4
Branch Locations (2)
DELTA operates 2 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Delta Federal Credit Union (Main Office) | Greenville, MS |
| Delta Federal Credit Union | Indianola, MS |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Mississippi
Other federally-insured credit unions in Mississippi, closest first by peer group and asset size.
DELTA nationwide neighbourhoods
Similar health score
Using this data
- DELTA ranks #1,368 of 4,374 nationally on financial health and #20 of 55 in MS -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Treasury Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Treasury Employees
Frequently Asked Questions
Is DELTA financially healthy?
DELTA has a financial health score of 88/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,368 of 4,374 nationally on health and #20 of 55 in Mississippi. Its net worth ratio is 28.71% and its delinquency rate 0.21%.
How does DELTA compare to other credit unions?
DELTA scores 88/100, higher than 65% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is net worth ratio (28.71% vs 19.06%). Its widest shortfall is loan-to-share ratio (56.27% vs 63.60%).
How can I join DELTA?
DELTA operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact DELTA directly for the exact boundaries and application steps.
Is my money safe at DELTA?
DELTA is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. DELTA's net worth ratio of 28.71% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.