Delta Federal Credit Union
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 26.8 and a net worth ratio of 0.0. Operating profits as a percentage of assets at 2.4%, coupled with a return on assets of 2.4 has resulted in Excellent (10.0) profitability.
Other Rating Factors:
A current level of 3.7 percent of nonperforming loans to core capital combined with 2.3 percent from a year earlier contributes to the Excellent asset quality (8.5). Good liquidity 6.7, driven by a liquidity ratio of 59.9 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (30%), other (70%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
2339 Highway One South
Greenville, MS 38701
Greenville, MS 38701
Phone Number
(662) 332-7184
NCUA Charter Number
Website
Largest Competitors
Biloxi, MS
Jackson, MS
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