Federal credit union · Memphis, Tennessee · NCUA charter #9310
Delta Refining Co Emp
Health score 77/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 77
- Health / 100
- $4.6M
- Total assets
- 262
- Members
- 19.4%
- Net-worth ratio
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 - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)86
- Member growth0
- Liquidity (loan-to-share)58
Weighted composite: 77/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 19.44%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 19.44% | 30% |
| Delinquency Rate | 0.44% | 25% |
| Return on Assets | 0.36% | 15% |
| Member Growth | -6.43% | 15% |
| Loan-to-Share Ratio | 30.44% | 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 | $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
What This Data Says About Delta Refining Co Emp
The five-factor composite scores Delta Refining Co Emp at 77/100 (Very Good), reflecting a net worth ratio of 19.44% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This federal credit union, headquartered in Memphis, Tennessee, reports 262 members, $4.6M in total assets, and $1.1M in outstanding loans as of Q4 2025 under charter #9310 (peer group $2M–$10M, a cohort of 566 similarly-sized institutions).
0.44% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running tighter than peers. Deposit deployment is captured by the 30.44% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.36% on net income of $16K 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 -6.43%. 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 Tennessee
Other federally-insured credit unions in Tennessee, 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 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 this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 19.44% 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 19.44% 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.
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.