Federal credit union · ANTIOCH, California · NCUA charter #24492
Delta Schools
Health score 86/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 86
- Health / 100
- $62.8M
- Total assets
- 2,980
- Members
- 10.5%
- Net-worth ratio
Delta Schools scores 86/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $62.8M; members 2,980; net-worth ratio 10.55%; health rank #1,829 of 4,374; healthier than 57th of scored peers.
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NCUA 5300 Call Report Masthead
#1,829 of 4,374 health · 2025Q4Delta Schools · health 86/100 · $62.8M · 2025Q4
Call Report peers
Delta Schools in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Delta Schools vs every NCUA-scored credit union
Delta Schools sits in the busiest band, 85-89, alongside 857 other credit unions.
86 Top 43% higher than 57% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where Delta Schools diverges from peer averages
- Largest favorable gap: Delinquency Rate at 0.00% vs peer 0.96% (-0.96 pp).
- Largest lag: Loan-to-Share Ratio at 53.75% vs peer 62.60% (-8.85 pp).
Delta Schools in California
- In California, health place is #108 of 243 on the same NCUA-ratio sort used nationally.
- Assets rank #179 of 243 inside California ($62.8M reported).
- Member book place in California: #183 of 243.
- One place up in California, Diablo Valley (#107) ties at 86/100; one place down, TUCOEMAS (#109) ties at 86/100.
How Delta Schools's 5300 filing moved
Delta Schools: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +5.1% from $62.8M (2025Q4) to $65.9M (2026Q1).
- Net-worth ratio shifted -0.21 pp (10.76% → 10.55%).
10.55% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 86/100 score is built
Delta Schools gives up 14 points in total. Member Growth costs the most, 10.8 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 4.2 pts
- Loan-to-Share Ratio 11.8 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.55% | -3.07 pp |
| Delinquency Rate | 0.00% | -0.96 pp |
| Return on Assets | 0.99% | +0.33 pp |
| Member Growth | -2.65% | - |
| Loan-to-Share Ratio | 53.75% | -8.85 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Call Report history - Delta Schools
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $65.9M | - |
| 2025Q4 | $62.8M | 2,980 |
| 2024Q4 | $60.0M | 3,061 |
| 2023Q4 | $57.3M | 3,134 |
Credit Union Details
- Charter Number
- 24492
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- California
- City
- ANTIOCH
- Data Quarter
- 2025Q4
Branch Locations (3)
Per its most recent NCUA branch filing, Delta Schools runs 3 offices in 2 different cities across 2 states.
| Office | City |
|---|---|
| W18 (Main Office) | Antioch, CA |
| LTW | Antioch, CA |
| CU*Northwest | Liberty Lake, WA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in California
Other federally-insured credit unions in California, closest first by peer group and asset size.
Other-state peers near Delta Schools
Using this data
- Delta Schools ranks #1,829 of 4,374 nationally on financial health and #108 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Rolling F is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Rolling F
Frequently Asked Questions
Is Delta Schools financially healthy?
Delta Schools has a financial health score of 86/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,829 of 4,374 nationally on health and #108 of 243 in California. Its net worth ratio is 10.55% and its delinquency rate 0.00%.
How does Delta Schools compare to other credit unions?
Delta Schools scores 86/100, higher than 57% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is delinquency rate (0.00% vs 0.96%). Its widest shortfall is loan-to-share ratio (53.75% vs 62.60%).
How can I join Delta Schools?
Delta Schools 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 Schools directly for the exact boundaries and application steps.
Is my money safe at Delta Schools?
Delta Schools 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 Schools's net worth ratio of 10.55% 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.