DELTA COMMUNITY
Charter #66357 · Atlanta, GA · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 537,196 ranks in the 93rd percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 1.25% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.18% ranks in the 5th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.34% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- On Efficiency ratio, the asset-size band puts this credit union at the 45th percentile but its structural peers at the 61st — a 16-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 COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $9.14B | 92th pct | 82th pct |
| Members | 537,196 | 95th pct | 93th pct |
| Net worth ratio | 12.22% | 74th pct | 70th pct |
| Return on average assets | 1.00% | 73th pct | 62th pct |
| Net interest margin | 3.39% | 52th pct | 57th pct |
| Cost of funds | 1.25% | 28th pct | 20th pct |
| Loan-to-share | 79.25% | 30th pct | 25th pct |
| Delinquency 60+ days | 0.18% | 7th pct | 5th pct |
| Net charge-off ratio | 0.34% | 27th pct | 16th pct |
| Loan growth YoY | 4.72% | 80th pct | 92th pct |
| Share growth YoY | 3.57% | 40th pct | 43th pct |
| Efficiency ratio | 71.51% | 45th pct | 61th pct |
structural peer set hash: 9b40ac243a5d210c48e5b9b948a4b390… (reproducible)
Closest structural peers
This is the free public view
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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.