DELTA REFINING CO EMP
Charter #9310 · Memphis, TN · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 259 sits at the 3rd percentile of structural peers — worth a closer look.
- Return on average assets of -0.78% sits at the 5th percentile of structural peers — worth a closer look.
- Cost of funds of 2.27% sits at the 90th percentile of structural peers — worth a closer look.
- Net charge-off ratio of -0.43% ranks in the 5th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 97.06% sits at the 79th percentile of structural peers — worth a closer look.
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 REFINING CO EMP | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $4.72M | 56th pct | 26th pct |
| Members | 259 | 21th pct | 3th pct |
| Net worth ratio | 21.01% | 62th pct | 74th pct |
| Return on average assets | -0.78% | 18th pct | 5th pct |
| Net interest margin | 2.84% | 18th pct | 28th pct |
| Cost of funds | 2.27% | 92th pct | 90th pct |
| Loan-to-share | 28.62% | 18th pct | 16th pct |
| Delinquency 60+ days | 0.37% | 38th pct | 41th pct |
| Net charge-off ratio | -0.43% | 8th pct | 5th pct |
| Loan growth YoY | -17.63% | 9th pct | 7th pct |
| Share growth YoY | 5.13% | 81th pct | 75th pct |
| Efficiency ratio | 97.06% | 68th pct | 79th pct |
structural peer set hash: 585017d27e14c565c67aeba0b21109b4… (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.