Delta Refining Company Employees Federal Credit Union Memphis, Tennessee
Delta Refining Company Employees Federal Credit Union is a federal credit union headquartered in Memphis, TN, established in 1954 (NCUA charter 9310), and it is regulated and insured by the NCUA. At Q2 2026 it reported 253 members and total assets of $4.6M (down 1.5% from Q2 2025), the 109th largest of 123 credit unions headquartered in Tennessee. Its net worth ratio was 21.36% at Q2 2026, in the well capitalized band.
Also written as Delta Refining Company Employees FCU
BankRegReports is independent of Delta Refining Company Employees Federal Credit Union and never asks for online banking logins or passwords.
Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 9310
- Headquarters
- Memphis, TN
- Established
- 1954
- Total assets, Q2 2026
- $4.6M
- Assets vs Q2 2025
- -1.5%
- Members, Q2 2026
- 253
- Net worth ratio, Q2 2026
- 21.36%
- Latest call report
- Q2 2026, NCUA 5300 · Delta Refining Company Employees Federal Credit Union call report
- Asset rank in state
- 109th of 123 in Tennessee
- Routing number
- 284384241
- Branches
- 1
It has 18 fewer members than on June 30, 2025 (-6.6%). Its net worth ratio was down 0.30 percentage points from 21.66% on June 30, 2025. Used vehicle loans are its largest loan category, $551K of $1.0M in total loans on its June 30, 2026 filing.
Frequently asked about Delta Refining Company Employees Federal Credit Union
How big is Delta Refining Company Employees Federal Credit Union?
At Q2 2026 it reported total assets of $4.6M and 253 members.
Where is Delta Refining Company Employees Federal Credit Union headquartered?
It is headquartered in Memphis, TN, United States.
When was Delta Refining Company Employees Federal Credit Union founded?
It was established in 1954, per NCUA records.
Is Delta Refining Company Employees Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 9310): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Delta Refining Company Employees Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Delta Refining Company Employees Federal Credit Union well capitalized?
Its net worth ratio was 21.36% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Delta Refining Company Employees Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 27.68% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Memphis, TN 38109
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1954
- NCUA Charter #
- 9310
- RSSD ID
- 410382
- Members
- 253
- Potential members
- 600
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 1 of 6 ranked measures and in the bottom quartile on 5.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 21.36% | 14.31% | 80th top |
| Return on assets Middle half of peers: 0.16% to 1.30% | -0.40% | 0.72% | 15th bottom |
| Return on equity Middle half of peers: 1.04% to 8.69% | -1.85% | 4.74% | 17th bottom |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 2.71% | 3.93% | under 10th bottom |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 116.27% | 79.83% | under 10th bottom |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 1.89% | 0.78% | under 10th bottom |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | not on file | 0.86% | not on file |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 4.60% | 4.70% | 45th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 27.68% | 58.92% | under 10th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$4.6M total assets against $4.7M; $3.6M total shares and deposits against $3.7M; $1.0M total loans against $1.4M.
$987K net worth against $1.0M.
21.36% net worth ratio against 21.66%.
27.68% loan-to-share ratio against 37.83%.
-0.40% return on assets against 0.48%; -1.85% return on equity against 2.24%.
2.71% net interest margin against 3.11%.
253 members against 271.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 21.36% | -0.40% | — | 27.68% |
| March 31, 2026 | 21.01% | -0.77% | 0.37% | 28.62% |
| December 31, 2025 | 21.78% | -1.76% | 0.44% | 30.44% |
| September 30, 2025 | 22.31% | 0.42% | 2.63% | 36.52% |
| June 30, 2025 | 21.66% | 0.48% | 1.29% | 37.83% |
| March 31, 2025 | 19.50% | 0.01% | 1.30% | 33.64% |
Scroll sideways to see every column.
Watch flags
The credit union posted negative net income relative to assets in its latest filing. Credit unions build net worth only through retained earnings, so sustained losses gradually weaken capital. BankRegReports flag, negative earnings.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.