Federal credit union · Memphis, Tennessee · NCUA charter #9310
Delta Refining Co Emp
Health score 77/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 77
- Health / 100
- $4.6M
- Total assets
- 262
- Members
- 21.0%
- Net-worth ratio
Delta Refining Co Emp scores 77/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $4.6M; members 262; net-worth ratio 21.01%; health rank #3,048 of 4,374; healthier than 28th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,048 of 4,374 health · 2025Q4Delta Refining Co Emp · health 77/100 · $4.6M · 2025Q4
- ROA 77/100
- ASSETS 21.0%
- MEM 0.44%
- RANK 0.36%
- PHOTO $4.6M
- BOOK 262
- CHARTER #3,048/4,374
- NCUSIF n/a
- CAMELS 9310
Call Report peers
Delta Refining Co Emp carries $4.6M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Delta Refining Co Emp vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
77 28th percentile higher than 28% 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
Delta Refining Co Emp - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #9310: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Delta Refining Co Emp vs $2M–$10M peers
- Net Worth Ratio leads the peer set - 21.01% here, 19.06% peer average (+1.95 pp).
- Largest lag: Loan-to-Share Ratio at 30.44% vs peer 63.60% (-33.16 pp).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Delta Refining Co Emp: in-state Call Report ranks
- Health composite ranks #87 of 127 among scored Tennessee credit unions.
- Tennessee assets place: #111 of 127.
- Member book place in Tennessee: #123 of 127.
In-state ordinals use the live credit_unions table for TN only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Delta Refining Co Emp's 5300 filing moved
Delta Refining Co Emp: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.7% from $4.6M (2025Q4) to $4.7M (2026Q1).
- Net-worth ratio shifted -0.77 pp (21.78% → 21.01%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 21.01%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 77/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 77.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 12.9 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 9.1 pts
Delta Refining Co Emp vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 21.01% | +1.95 pp |
| Delinquency Rate | 0.44% | -1.36 pp |
| Return on Assets | 0.36% | -0.09 pp |
| Member Growth | -6.43% | - |
| Loan-to-Share Ratio | 30.44% | -33.16 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Delta Refining Co Emp quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $4.7M | - |
| 2025Q4 | $4.6M | 262 |
| 2024Q4 | $5.1M | 280 |
| 2023Q4 | $5.0M | 304 |
Credit Union Details
- Charter Number
- 9310
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Tennessee
- City
- Memphis
- Data Quarter
- 2025Q4
Branch Location
Delta Refining Co Emp operates a single office in Memphis, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Delta Refining Credit Union (Main Office) | Memphis, TN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Tennessee
Other federally-insured credit unions in Tennessee, closest first by peer group and asset size.
Other-state peers near Delta Refining Co Emp
Delta Refining Co Emp's nationwide photo peers by assets and by health score, excluding Tennessee charters.
Similar health score
Nearest other-state credit unions by five-factor health composite (77/100 here).
Using this data
- Delta Refining Co Emp ranks #3,048 of 4,374 nationally on financial health and #87 of 127 in TN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Alcoa Municipal Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Alcoa Municipal Employees
- Rates and health both vary by institution, not just by state -- see how Tennessee credit unions compare overall before assuming this one is typical. Tennessee state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Delta Refining Co Emp financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Delta Refining Co Emp carries a financial health score of 77/100 (Very Good). On the national health ranking (same basis as /rankings/healthiest), it sits at #3,048 of 4,374; by total assets it ranks #3,923 of 4,374 nationally (same basis as /rankings/largest); and #111 of 127 within Tennessee. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 21.01% net worth ratio and a 0.44% delinquency rate.
How does Delta Refining Co Emp compare to other credit unions?
77/100 is Delta Refining Co Emp'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 Refining Co Emp?
Delta Refining Co Emp 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 Refining Co Emp directly for the exact boundaries and application steps.
Is my money safe at Delta Refining Co Emp?
Federal credit unions like Delta Refining Co Emp 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 Refining Co Emp's net worth ratio of 21.01% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Delta Refining Co Emp offer compared to banks?
Credit unions like Delta Refining Co Emp 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 Refining Co Emp directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
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.