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
Call Report peers
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Delta Refining Co Emp vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Delta Refining Co Emp sits in 75-79 with 502 others.
77 28th percentile higher than 28% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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.
- One place up in Tennessee, TEN (#86) scores 78/100, 1 point higher; one place down, First Choice Community (#88) ties at 77/100.
How Delta Refining Co Emp's 5300 filing moved
Delta Refining Co Emp: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.7% from $4.6M (2025Q4) to $4.7M (2026Q1).
- Net-worth ratio shifted -0.77 pp (21.78% → 21.01%).
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
Delta Refining Co Emp gives up 23 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio and Delinquency Rate score full marks.
- 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 |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
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
Similar health score
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
Frequently Asked Questions
Is Delta Refining Co Emp financially healthy?
Delta Refining Co Emp has a financial health score of 77/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,048 of 4,374 nationally on health and #87 of 127 in Tennessee. Its net worth ratio is 21.01% and its delinquency rate 0.44%.
How does Delta Refining Co Emp compare to other credit unions?
Delta Refining Co Emp scores 77/100, higher than 28% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is net worth ratio (21.01% vs 19.06%). Its widest shortfall is loan-to-share ratio (30.44% vs 63.60%).
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?
Delta Refining Co Emp 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 Refining Co Emp's net worth ratio of 21.01% 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.