DELTA COUNTY
Charter #24381 · Delta, CO · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.98% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.47% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 71.08% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 35th percentile but its structural peers at the 67th — a 32-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | DELTA COUNTY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $72.26M | 51th pct | 59th pct |
| Members | 4,327 | 35th pct | 67th pct |
| Net worth ratio | 9.99% | 21th pct | 30th pct |
| Return on average assets | 0.98% | 65th pct | 79th pct |
| Net interest margin | 2.76% | 9th pct | 36th pct |
| Cost of funds | 0.47% | 22th pct | 13th pct |
| Loan-to-share | 34.32% | 8th pct | 16th pct |
| Delinquency 60+ days | 1.33% | 82th pct | 72th pct |
| Net charge-off ratio | 0.08% | 30th pct | 52th pct |
| Loan growth YoY | -4.18% | 25th pct | 26th pct |
| Share growth YoY | -3.81% | 3th pct | 0th pct |
| Efficiency ratio | 71.08% | 28th pct | 23th pct |
structural peer set hash: 5343eefeeef00f2de39d6ed568c21f75… (reproducible)
Closest structural peers
This is the free public view
Claim DELTA COUNTY
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.