Memphis, Tennessee · Peer group 2
Delta Refining Co Emp Credit Union
Delta Refining Co Emp Credit Union holds $4.7M in assets across 259 members as of Q1 2026 — about $18K of assets per member, on a charter dating to 1954. Charter number 9310, in the <$10M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $4.7M |
|---|---|
| Total loans | $1.1M |
| Total shares (deposits) | $3.7M |
| Net worth | $991K |
| Members | 259 |
| Assets per member | $18K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | -8.9% | |
|---|---|---|
| Loans | -23.8% | lower than 94% of its peer group |
| Deposits | -10.4% | around the 11th percentile of its peer group |
| Members | -9.4% | lower than 94% of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 28.6% | around the 11th percentile of its peer group |
|---|---|---|
| Net worth ratio | 21.0% | around the 66th percentile of its peer group |
| Return on assets | -0.77% | around the 14th percentile of its peer group |
| Delinquency ratio | 0.37% | around the 36th percentile of its peer group |
| Cash / assets | 14.1% | around the 46th percentile of its peer group |
| Borrowings / assets | 0.0% | around the 49th percentile of its peer group |
What this page does not show
Everything above is Delta Refining Co Emp Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Tennessee — the comparison set a peer ratio is measured against.
- Hurd Employees Credit Union
Greeneville, TN
$4.5M · 422 members
- Alcoa Municipal Employees Credit Union
ALCOA, TN
$4.4M · 866 members
- P.I.A.S. Credit Union
Brentwood, TN
$4.3M · 527 members
- B. M. H. Credit Union
CLEVELAND, TN
$3.7M · 486 members
- Smart Choice Credit Union
CLEVELAND, TN
$3.7M · 890 members
- Basf Chattanooga Credit Union
CHATTANOOGA, TN
$3.5M · 407 members
CUSignals is independent and is not affiliated with, endorsed by, or acting for Delta Refining Co Emp Credit Union, nor for any regulator or trade association. Figures on this page are drawn from institution-level data for the quarter shown and may trail the institution’s own reporting; they are presented for information and are not investment, credit or merger advice, and not a recommendation about this or any institution. No institution can pay to be listed, delisted, or shown differently. To request a correction, email admin@infinidatum.net. See the disclaimer and privacy policy.