Credit Union Safety Analysis
Is Delta Federal Credit Union Safe? Greenville, Mississippi
Based on its Q2 2026 NCUA 5300 call report, Delta Federal Credit Union has a net worth ratio of 29.19%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.27%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Delta Federal Credit Union's net worth ratio is 29.19%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 29.19%
- Delinquency ratio (60+ days) (Q2 2026): 0.27%
- Return on assets (Q2 2026): 2.47%
- Loan-to-share ratio (Q2 2026): 49.88%
Delta Federal Credit Union (NCUA charter 24893, established 1978) reported $8.9M in assets and 1,730 members for Q2 2026 from Greenville, Mississippi. It ranks 40 of 52 credit unions in Mississippi by total assets. Total assets grew 3.9% from $8.5M on June 30, 2025. It has 7 fewer members than on June 30, 2025 (-0.4%). Its net worth ratio was up 2.82 percentage points from 26.37% on June 30, 2025. Its 60-day delinquency ratio of 0.27% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 28.71% for Q1 2026; 26.37% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 0.42% for Q1 2026; 0.49% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 3.06% for Q1 2026; 0.05% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 52.05% for Q1 2026; 50.05% for Q2 2025.
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $8.9M | 29.19% | 0.27% | 2.47% | 49.88% |
| March 31, 2026 | $8.8M | 28.71% | 0.42% | 3.06% | 52.05% |
| December 31, 2025 | $8.5M | 28.94% | 0.21% | 2.15% | 56.27% |
| September 30, 2025 | $8.6M | 28.00% | 0.13% | 7.91% | 53.62% |
| June 30, 2025 | $8.5M | 26.37% | 0.49% | 0.05% | 50.05% |
| March 31, 2025 | $8.4M | 26.78% | 2.67% | 2.43% | 52.35% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Delta Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 24893) · FFIEC NIC profile (RSSD 663188)
Frequently asked questions
Is Delta Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Delta Federal Credit Union's net worth ratio is 29.19%, above the 7% NCUA threshold for well capitalized.
Is Delta Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Delta Federal Credit Union is a federally insured credit union (NCUA charter 24893): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Delta Federal Credit Union's key safety ratios?
For Q2 2026, Delta Federal Credit Union reports net worth 29.19%, delinquency 0.27%, ROA 2.47%, loan-to-share 49.88%.
What happens to my money if Delta Federal Credit Union fails?
For Q2 2026, Delta Federal Credit Union held $6.3M in shares and deposits for 1,730 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.