Federal credit union · Greenville, Mississippi · NCUA charter #24893
Delta
Health score 88/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $8.5M
- Total assets
- 1,733
- Members
- 28.9%
- Net-worth ratio
Delta - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #24893 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Delta - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth39
- Liquidity (loan-to-share)79
Weighted composite: 88/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 28.94% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 28.94% | 30% |
| Delinquency Rate | 0.21% | 25% |
| Return on Assets | 2.36% | 15% |
| Member Growth | -1.76% | 15% |
| Loan-to-Share Ratio | 56.27% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Delta
Charter #24893, peer group $2M–$10M, a cohort of 566 similarly-sized institutions: that's Delta, a federal credit union in Greenville, Mississippi with 1,733 members, $8.5M in total assets, and $3.4M in outstanding loans as of Q4 2025. The five-factor composite scores it 88/100 (Excellent), helped by a net worth ratio of 28.94% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
Loan book quality rounds out the picture. The delinquency rate of 0.21% measures loans 60+ days past due against total loans outstanding - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running tighter than peers. The loan-to-share ratio of 56.27% indicates how aggressively member deposits are being deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at 2.36% on net income of $201K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -1.76%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Community) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in Mississippi
Other federally-insured credit unions in Mississippi, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Delta financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Delta carries a financial health score of 88/100 (Excellent). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 28.94% net worth ratio and a 0.21% delinquency rate.
How does Delta compare to other credit unions?
88/100 is Delta's score on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 15%.
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like Delta are 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 28.94% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Delta offer compared to banks?
Credit unions like Delta are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Delta directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.